Uc Health, LLC 401(k) Review & Grade
Uc Health 401(k) Retirement Savings Plan
Cincinnati, OHHealth Care & Social Assistance10,460 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,093Employer $ per active participant
$5,776Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$758.4MNet plan assets, end of year
$53,859Average balance per account
Score breakdown
- Employer generosity25.4 / 5051th percentile for employer $ per participant
- Low cost16.6 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 10,000+ active participants (115 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 66th |
| Employee saving | 70th |
| Peers that auto-enroll | 52% |
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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
- Uc Health put in about $2,093 per active participant, more than the typical peer ($2,086). 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 | $21,896,686 |
| Participant (employee) contributions | $60,420,314 |
| Other contributions (incl. rollovers in) | $5,416,363 |
| Administrative expenses paid from the plan | $406,949 |
| Contract administrator fees | $406,949 |
| Benefits paid out | $76,443,982 |
| Net assets, start / end of year | $664.9M / $758.4M |
| Active participants, start / end of year | 10,186 / 10,734 |
| Participants with account balances | 14,082 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $425,195 reported compensation |
| Ubs Financial Services, Inc | $57,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010140319NAL0004685251001, received 2025-10-10, EIN 31-1435820, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.