Universal Health Services, Inc. 401(k) Review & Grade
Universal Health Services, Inc. Retirement Savings Plan
King of Prussia, PAHealth Care & Social Assistance64,756 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,224Employer $ per active participant
$4,045Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$3.7BNet plan assets, end of year
$71,138Average balance per account
Score breakdown
- Employer generosity18.9 / 5038th percentile for employer $ per participant
- Low cost14.9 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 10,000+ active participants (115 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 60th |
| Employee saving | 41th |
| Peers that auto-enroll | 52% |
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Red flags from the filing
Corrective distributions: the plan refunded $90,892 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Universal Health Services put in about $1,224 per active participant, below the typical peer ($2,086). 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 | $79,262,984 |
| Participant (employee) contributions | $261,915,042 |
| Other contributions (incl. rollovers in) | $28,884,897 |
| Administrative expenses paid from the plan | $2,343,424 |
| Contract administrator fees | $10,800 |
| Investment advisory & management fees | $123,038 |
| Benefits paid out | $410,251,756 |
| Net assets, start / end of year | $3.2B / $3.7B |
| Active participants, start / end of year | 64,712 / 64,799 |
| Participants with account balances | 51,571 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Torrillo & Associates, LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $2,189,786 reported compensation |
| Mma Securities LLC | $123,038 reported compensation |
| Torrillo & Associates, LLC | $30,600 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008084307NAL0012934370001, received 2025-10-08, EIN 23-2077891, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.