United Community Center 401(k) Review & Grade
United Community Center Pension & 401(k) Retirement Plan
Milwaukee, WIHealth Care & Social Assistance554 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,128Employer $ per active participant
$2,403Employee $ saved per active participant
0.35%Direct admin cost, % of plan assets
$19.6MNet plan assets, end of year
$32,119Average balance per account
Score breakdown
- Employer generosity36.3 / 5073th percentile for employer $ per participant
- Low cost8.9 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1548th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 35th |
| Employee saving | 48th |
| Peers that auto-enroll | 36% |
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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
- United Community Center put in about $2,128 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.
- Direct plan expenses (0.35% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $1,178,941 |
| Participant (employee) contributions | $1,331,169 |
| Other contributions (incl. rollovers in) | $330,651 |
| Administrative expenses paid from the plan | $61,655 |
| Contract administrator fees | $61,655 |
| Benefits paid out | $1,087,805 |
| Net assets, start / end of year | $15.9M / $19.6M |
| Active participants, start / end of year | 540 / 568 |
| Participants with account balances | 610 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| PPG Retirement Plan Services | $39,564 reported compensation |
| Transamerica | $22,516 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250812162900NAL0007376355001, received 2025-08-12, EIN 39-1146191, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.