Universal Weather and Aviation, LLC 401(k) Review & Grade
Universal Weather and Aviation, LLC 401(k) Plan
Houston, TXInformation962 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,244Employer $ per active participant
$4,918Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$108.5MNet plan assets, end of year
$89,326Average balance per account
Score breakdown
- Employer generosity29.0 / 5058th percentile for employer $ per participant
- Low cost16.9 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1520th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 68th |
| Employee saving | 20th |
| Peers that auto-enroll | 59% |
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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
- Universal Weather and Aviation put in about $3,244 per active participant, more than the typical peer ($2,829). 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.
- 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 | $3,120,924 |
| Participant (employee) contributions | $4,731,396 |
| Other contributions (incl. rollovers in) | $133,369 |
| Administrative expenses paid from the plan | $134,070 |
| Investment advisory & management fees | $66,321 |
| Benefits paid out | $19,162,118 |
| Net assets, start / end of year | $100.3M / $108.5M |
| Active participants, start / end of year | 930 / 994 |
| Participants with account balances | 1,215 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ham, Langston & Brezina, LLP |
Largest service providers (Schedule C)
| Capfinancial Partners LLC | $66,321 reported compensation |
| Fidelity Investments Institutional | $55,305 reported compensation |
| Ham, Langston & Brezina, LLP | $18,360 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250924071355NAL0007795072001, received 2025-09-24, EIN 75-1039736, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.