Ubs AG 401(k) Review & Grade
Ubs 401(k) Plan Trust
Weehawken, NJFinance & Insurance22,805 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$9,548Employer $ per active participant
$16,739Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$10.2BNet plan assets, end of year
$306,391Average balance per account
Score breakdown
- Employer generosity44.4 / 5089th percentile for employer $ per participant
- Low cost7.2 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving14.4 / 1596th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 10,000+ active participants (72 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 29th |
| Employee saving | 96th |
| Peers that auto-enroll | 74% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,731,689 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ubs AG put in about $9,548 per active participant, more than the typical peer ($5,179). 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.
- Direct plan expenses (0.14% of assets) are well above similar-size plans (0.09%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $217,738,176 |
| Participant (employee) contributions | $381,733,021 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $13,889,422 |
| Investment advisory & management fees | $13,680,218 |
| Other admin expenses | $57,770 |
| Benefits paid out | $758,113,742 |
| Net assets, start / end of year | $9.0B / $10.2B |
| Active participants, start / end of year | 21,350 / 24,260 |
| Participants with account balances | 33,268 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young LLP |
| Employer stock held by plan | $332,983,275 |
Largest service providers (Schedule C)
| Eagle Capital Management, LLC | $3,812,964 reported compensation |
| Pershing LLC | $2,098,504 reported compensation |
| T Rowe Price Associates, Inc. | $2,000,620 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002123048NAL0000334179001, received 2025-10-02, EIN 98-0186363, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.