Ucb Holdings, Inc. 401(k) Review & Grade
Ucb, Inc. 401(k) Retirement Plan
Smyrna, GAManufacturing1,870 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$22,442Employer $ per active participant
$20,072Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$979.7MNet plan assets, end of year
$335,280Average balance per account
Score breakdown
- Employer generosity50.0 / 50100th percentile for employer $ per participant
- Low cost23.4 / 2593th percentile for low admin cost vs. same-size plans
- Employee saving14.9 / 15100th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 93th |
| Employee saving | 100th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $163,914 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ucb Holdings put in about $22,442 per active participant, more than the typical peer ($2,320). 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.
- 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 | $41,966,355 |
| Participant (employee) contributions | $37,535,307 |
| Other contributions (incl. rollovers in) | $13,501,027 |
| Administrative expenses paid from the plan | $250,440 |
| Investment advisory & management fees | $96,577 |
| Benefits paid out | $64,040,025 |
| Net assets, start / end of year | $832.5M / $979.7M |
| Active participants, start / end of year | 1,844 / 1,896 |
| Participants with account balances | 2,922 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Seay & Weissinger LLC |
Largest service providers (Schedule C)
| Adp, Inc. | $250,440 reported compensation |
| Spectrum Investment Advisors | $96,598 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930051445NAL0028553394001, received 2025-09-30, EIN 13-3010020, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.