Uvnv, Inc. 401(k) Review & Grade
Uvnv, Inc. 401(k) Plan
Costa Mesa, CAInformation604 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,028Employer $ per active participant
$12,169Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$37.1MNet plan assets, end of year
$56,389Average balance per account
Score breakdown
- Employer generosity16.3 / 5033th percentile for employer $ per participant
- Low cost10.2 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 41th |
| Employee saving | 72th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $293 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Uvnv put in about $2,028 per active participant, below the typical peer ($2,829). 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.
- 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,223,670 |
| Participant (employee) contributions | $7,344,253 |
| Other contributions (incl. rollovers in) | $1,091,029 |
| Administrative expenses paid from the plan | $92,200 |
| Benefits paid out | $1,460,646 |
| Net assets, start / end of year | $24.7M / $37.1M |
| Active participants, start / end of year | 606 / 601 |
| Participants with account balances | 658 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $92,199 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250725052116NAL0006215169001, received 2025-07-25, EIN 45-4829750, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.