Uponor North America, Inc. 401(k) Review & Grade
Uponor North America Retirement Savings and Investment Plan
Apple Valley, MNManufacturing856 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,471Employer $ per active participant
$7,195Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$100.8MNet plan assets, end of year
$88,453Average balance per account
Score breakdown
- Employer generosity34.4 / 5069th percentile for employer $ per participant
- Low cost17.9 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving11.2 / 1575th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 72th |
| Employee saving | 75th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Uponor North America put in about $3,471 per active participant, more than the typical peer ($2,320). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- 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 | $2,969,789 |
| Participant (employee) contributions | $6,155,110 |
| Other contributions (incl. rollovers in) | $475,869 |
| Administrative expenses paid from the plan | $104,724 |
| Investment advisory & management fees | $44,500 |
| Benefits paid out | $9,201,687 |
| Net assets, start / end of year | $89.3M / $100.8M |
| Active participants, start / end of year | 817 / 894 |
| Participants with account balances | 1,140 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen |
Largest service providers (Schedule C)
| Milliman, Inc. | $60,224 reported compensation |
| Sageview Advisory Group | $44,500 reported compensation |
| Charles Schwab Trust Bank | $14,656 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006094713NAL0001765171001, received 2025-10-06, EIN 36-3306746, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.