Upperline Health, Inc. 401(k) Review & Grade
Upperline Health 401(k) Retirement Plan
Nashville, TNHealth Care & Social Assistance953 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,448Employer $ per active participant
$3,562Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$35.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity30.2 / 5060th percentile for employer $ per participant
- Low cost18.7 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1562th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 75th |
| Employee saving | 62th |
| Peers that auto-enroll | 36% |
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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
- Upperline Health put in about $1,448 per active participant, more than the typical peer ($976). 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 | $1,380,044 |
| Participant (employee) contributions | $3,394,974 |
| Other contributions (incl. rollovers in) | $7,947,718 |
| Administrative expenses paid from the plan | $27,277 |
| Contract administrator fees | $13,600 |
| Investment advisory & management fees | $11,827 |
| Other admin expenses | $1,850 |
| Benefits paid out | $1,468,333 |
| Net assets, start / end of year | $20.9M / $35.7M |
| Active participants, start / end of year | 990 / 916 |
| Participants with account balances | 419 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Frazier & Deeter |
Largest service providers (Schedule C)
| Wealthcare Advisory Partners LLC | $20,643 reported compensation |
| Pension Investors Corp of Orlando | $12,370 reported compensation |
| Voya Retirement Advisors LLC | $11,774 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014121955NAL0002872273001, received 2025-10-14, EIN 81-4298671, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.