Uwh of the Carolinas, PLLC 401(k) Review & Grade
Uwh of the Carolinas, PLLC 401(k) Retirement Plan
Tampa, FLHealth Care & Social Assistance1,166 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,140Employer $ per active participant
$6,701Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$228.4MNet plan assets, end of year
$145,185Average balance per account
Score breakdown
- Employer generosity48.3 / 5097th percentile for employer $ per participant
- Low cost16.6 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving13.8 / 1592th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score89 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 66th |
| Employee saving | 92th |
| 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
- Uwh of the Carolinas, PLLC put in about $8,140 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.
- 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 | $9,495,482 |
| Participant (employee) contributions | $7,816,712 |
| Other contributions (incl. rollovers in) | $1,310,088 |
| Administrative expenses paid from the plan | $289,249 |
| Investment advisory & management fees | $98,997 |
| Benefits paid out | $14,053,072 |
| Net assets, start / end of year | $199.5M / $228.4M |
| Active participants, start / end of year | 1,162 / 1,171 |
| Participants with account balances | 1,573 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Williams Overman Pierce |
Largest service providers (Schedule C)
| MVP Plan Administrator's Inc. | $157,518 reported compensation |
| Gordon Asset Management | $75,635 reported compensation |
| Charles Schwab Trust Bank | $32,734 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013111108NAL0000520835001, received 2025-10-13, EIN 32-0418835, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.