United Home Care Services, Inc. 401(k) Review & Grade
United Home Care Services, Inc. 401(k) Plan
Miami, FLHealth Care & Social Assistance1,182 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$232Employer $ per active participant
$389Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$6.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity11.4 / 5023th percentile for employer $ per participant
- Low cost14.1 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving1.1 / 158th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 56th |
| Employee saving | 8th |
| 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 Home Care Services put in about $232 per active participant, below the typical peer ($976). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $273,838 |
| Participant (employee) contributions | $459,725 |
| Other contributions (incl. rollovers in) | $40 |
| Administrative expenses paid from the plan | $11,657 |
| Contract administrator fees | $9,522 |
| Benefits paid out | $596,864 |
| Net assets, start / end of year | $5.8M / $6.7M |
| Active participants, start / end of year | 1,170 / 1,195 |
| Participants with account balances | 285 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Anthony Brunson, P.A. |
Largest service providers (Schedule C)
| Ingham & Company | $9,522 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260121115549NAL0005938624001, received 2026-01-21, EIN 59-1523943, plan #002, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.