United Infrastructure Group, Inc. 401(k) Review & Grade
United Infrastructure Group 401(k) and Profit Sharing Plan
Great Falls, SCConstruction620 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,327Employer $ per active participant
$3,437Employee $ saved per active participant
0.77%Direct admin cost, % of plan assets
$14.9MNet plan assets, end of year
$26,371Average balance per account
Score breakdown
- Employer generosity31.8 / 5064th percentile for employer $ per participant
- Low cost2.7 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 11th |
| Employee saving | 43th |
| Peers that auto-enroll | 44% |
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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 Infrastructure Group put in about $2,327 per active participant, more than the typical peer ($1,672). 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 (0.77% 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 | $1,441,484 |
| Participant (employee) contributions | $2,129,054 |
| Other contributions (incl. rollovers in) | $110,812 |
| Administrative expenses paid from the plan | $104,926 |
| Contract administrator fees | $104,926 |
| Benefits paid out | $2,412,027 |
| Net assets, start / end of year | $12.4M / $14.9M |
| Active participants, start / end of year | 600 / 639 |
| Participants with account balances | 564 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bauknight Pietras & Stormer, PA |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $46,164 reported compensation |
| Penserv Plan Services | $31,576 reported compensation |
| Wells Fargo Advisors | $22,315 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015081924NAL0004329153001, received 2025-10-15, EIN 57-0677291, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.