Universal Pure Holdings, LLC 401(k) Review & Grade
Universal Pure 401(k) Plan
Villa Rica, GATransportation & Warehousing1,130 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$261Employer $ per active participant
$549Employee $ saved per active participant
0.88%Direct admin cost, % of plan assets
$6.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity6.3 / 5013th percentile for employer $ per participant
- Low cost2.1 / 258th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score2 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 13th |
| Lower admin cost | 8th |
| Employee saving | 6th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($32,193 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Universal Pure Holdings put in about $261 per active participant, below the typical peer ($1,070). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.88% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $294,346 |
| Participant (employee) contributions | $619,978 |
| Other contributions (incl. rollovers in) | $817,238 |
| Administrative expenses paid from the plan | $53,120 |
| Investment advisory & management fees | $20,507 |
| Other admin expenses | $7,676 |
| Benefits paid out | $1,479,490 |
| Net assets, start / end of year | $5.6M / $6.5M |
| Active participants, start / end of year | 1,227 / 1,032 |
| Participants with account balances | 162 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dean Dorton Allen Ford, PLLC |
Largest service providers (Schedule C)
| Pension Corporation of America | $32,613 reported compensation |
| Pca Investment Advisory Services | $20,507 reported compensation |
| Charles Schwab Trust Bank | $2,869 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014080718NAL0002290705001, received 2025-10-14, EIN 80-0871967, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.