Urgent Cares of America Holdings, LLC 401(k) Review & Grade
Urgent Cares of America Holdings, LLC 401(k) Plan
Raleigh, NCHealth Care & Social Assistance1,502 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$744Employer $ per active participant
$1,586Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$33.6MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity21.8 / 5044th percentile for employer $ per participant
- Low cost16.3 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score43 / 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 | 44th |
| Lower admin cost | 65th |
| Employee saving | 35th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,462 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Urgent Cares of America Holdings put in about $744 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 | $1,116,403 |
| Participant (employee) contributions | $2,381,655 |
| Other contributions (incl. rollovers in) | $1,234,781 |
| Administrative expenses paid from the plan | $48,582 |
| Investment advisory & management fees | $36,000 |
| Benefits paid out | $11,312,728 |
| Net assets, start / end of year | $35.9M / $33.6M |
| Active participants, start / end of year | 1,286 / 1,717 |
| Participants with account balances | 744 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Assurance Dimensions |
Largest service providers (Schedule C)
| Cetera Investment Advisors LLC | $36,000 reported compensation |
| Fidelity Investments Institutional | $12,582 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014085733NAL0001143443001, received 2025-10-14, EIN 27-3622335, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.