U.S. Urology Partners, LLC 401(k) Review & Grade
U.S. Urology Partners 401(k) and Profit Sharing Plan
Brentwood, TNHealth Care & Social Assistance912 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,233Employer $ per active participant
$4,760Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$144.0MNet plan assets, end of year
$165,299Average balance per account
Score breakdown
- Employer generosity37.3 / 5075th percentile for employer $ per participant
- Low cost17.9 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving11.4 / 1576th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 72th |
| Employee saving | 76th |
| Peers that auto-enroll | 36% |
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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 ($6,698 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $33,591 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- U.S. Urology Partners put in about $2,233 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 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 | $2,037,906 |
| Participant (employee) contributions | $4,343,148 |
| Other contributions (incl. rollovers in) | $382,994 |
| Administrative expenses paid from the plan | $124,641 |
| Contract administrator fees | $3,130 |
| Investment advisory & management fees | $70,109 |
| Benefits paid out | $21,621,583 |
| Net assets, start / end of year | $81.9M / $144.0M |
| Active participants, start / end of year | 907 / 918 |
| Participants with account balances | 871 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bonadio & Co., LLP |
Largest service providers (Schedule C)
| Hauser Retirement Solutions 2, LLC | $70,109 reported compensation |
| Newport Group, Inc. | $43,281 reported compensation |
| Newport Trust Company | $11,251 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014092909NAL0002412177001, received 2025-10-14, EIN 83-2633831, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.