Ubeo, LLC 401(k) Review & Grade
Ubeo 401(k) Retirement Plan
San Antonio, TXRetail Trade1,056 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,072Employer $ per active participant
$5,859Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$79.1MNet plan assets, end of year
$64,172Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving13.5 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 58th |
| Employee saving | 90th |
| Peers that auto-enroll | 48% |
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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
- Ubeo put in about $2,072 per active participant, more than the typical peer ($743). 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 | $2,188,056 |
| Participant (employee) contributions | $6,187,522 |
| Other contributions (incl. rollovers in) | $7,763,633 |
| Administrative expenses paid from the plan | $106,957 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $49,404 |
| Other admin expenses | $37,805 |
| Benefits paid out | $8,027,428 |
| Net assets, start / end of year | $40.1M / $79.1M |
| Active participants, start / end of year | 859 / 1,253 |
| Participants with account balances | 1,232 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bonadio Group |
Largest service providers (Schedule C)
| Creative Planning LLC | $47,502 reported compensation |
| Fidelity Investments Institutional | $21,904 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251018064749NAL0004281011001, received 2025-10-18, EIN 81-5293028, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.