Plan Ledger DOL Form 5500 · updated monthly

United Workers Retirement Plan, Inc.401(k)

RETIREMENT4CONTRACTORS POOLED EMPLOYER PLAN · SAN ANTONIO, TX · plan year 2023

Reported admin expense ratio · 2023
1.68%

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

United Workers Retirement Plan, Inc. reported $161,948 in plan administrative expenses for 2023: 1.68% of average plan assets, higher than ~90% of peers. Employer contributions averaged $385 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.

The plan sits in the $1M–$10M size bracket, benchmarked here against 22,307 comparable plans and shown alongside other finance & insurance employers. By assets it is the 2,195th-largest of 5,688 plans among Texas employers on file, and 3,262nd of 4,798 in finance & insurance. In 2023, the employer put in $1.98 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$17,586,520
Participants with balances4,153
Active participants3,377
Employer contributions$1,301,129
Employee contributions$655,722
Employer contribution per active participant$385
Average account balance$4,235
Benefits paid to participants$1,967,494
Plan auditUnmodified (clean) audit opinion
AuditorLORADY CPA PLLC
Administrative expenses, itemized · 2023
Recordkeeping & contract admin$147,132
Investment management$6,816
Audit (IQPA)$8,000
Total administrative$161,948
The United Workers Retirement Plan, Inc. 401(k) match · 2023
Employer contribution per active participant$385
Median for plans this size$1,308

United Workers Retirement Plan, Inc.'s 2023 employer contribution ran below the $1,308 median for plans its size, in the bottom quarter of its peers. 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 2023 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20236
EPIC RETIREMENT PLAN SERVICES · Recordkeeping · Loan processing$95,583
MGKS · Recordkeeping · Participant communication$33,077
UNITED WORKERS RETIREMENT · Named fiduciary$20,568
RETIREMENT PLAN ADVISORS · Investment advisory (plan)$11,619
CHEK TAN AND COMPANY · Accounting / audit$8,000

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

Administrative cost history1
2023$161,948 · 1.68%
Similar plansFinance & Insurance · Texas
Texas Trust Credit Union TX$18.5M · 0.29%
Raiz Federal Credit Union TX$18.4M · 0.44%
Velocity Credit Union TX$18.4M · 0.17%
Susser Bank TX$18.3M · 0.36%
Self Financial, Inc. TX$17.3M · 0.06%

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Source: U.S. Department of Labor, Form 5500 series, EIN 873318230 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.