Plan Ledger DOL Form 5500 · updated monthly

Ucp of Western Massachusetts, Inc.401(k)

403(B) THRIFT PLAN OF UCP OF WESTERN MASSACHUSETTS, INC. · PITTSFIELD, MA · plan year 2024

Reported admin expense ratio · 2024
0.07%

Peer grade: B+ · admin costs + employer contributions vs same-size plans · how grading works

Ucp of Western Massachusetts, Inc. reported $1,298 in plan administrative expenses for 2024: 0.07% of average plan assets, lower than ~75% of peers. Employer contributions averaged $925 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 1 year on file its reported administrative ratio fell from 0.11% to 0.07%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other other services employers. By assets it is among the smaller plans on file in Massachusetts (2,560th of 2,726), and 2,824th of 3,341 in other services. In 2024, employees put in $2.12 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$2,200,514
Participants with balances144
Active participants139
Employer contributions$128,586
Employee contributions$272,676
Employer contribution per active participant$925
Average account balance$15,281
Benefits paid to participants$110,517
Plan auditUnmodified (clean) audit opinion
AuditorADELSON & COMPANY PC
Plan history2
Yearassets · accounts · employer contribution
2024$2.2M · 144 accts · $129K emplr
2023$1.7M · 129 accts · $104K emplr
The Ucp of Western Massachusetts, Inc. 401(k) match · 2024
Employer contribution per active participant$925
Median for plans this size$1,313
2024$925 per active participant
2023$873 per active participant

Ucp of Western Massachusetts, Inc.'s 2024 employer contribution ran below the $1,313 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20241
MUTUAL OF AMERICA · Claims processing · Recordkeeping$1,298

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history2
2024$1,298 · 0.07%
2023$1,567 · 0.11%
Similar plansOther Services · Massachusetts
Miniluxe, Inc. MA$2.7M · 0.45%
Mass Park, Inc. MA$2.3M · 0.67%
Hannah Bg Shaw Home, Inc MA$1.5M · 0.70%
The United Arc, Inc. MA$806K · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 042173060 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.