PlanOptica
Retirement plan

UNITED AIRLINES PILOT RETIREMENT ACCOUNT PLAN

UNITED AIRLINES, INC.EIN 74-2099724Plan #202PY 2024
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233 S. WACKER DRIVE - CHICAGO, IL 60606877-825-3729united.comLinkedIn10001+ employeesairlines/aviation
Other plans on this EIN
5 filings
#222Retirement-$10.29B assets#008Retirement-$5.32B assets#010Retirement-$3.51B assets#011Retirement-$231.5M assets#205Retirement-$194.0M assets
Prospect flagsHigh feesHigh assets / participantCorrective distributions

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
(name not on filing)
(877) 825-3729
Plan administrator signer
KELVIN JONES
Signed 10/10/2025
Plan administrator entity
UNITED AIRLINES, INC. ADMINISTRATIVE COMMITTEE
EIN 742099724
233 S.WACKER DRIVE · CHICAGO, IL 60606
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Summary metrics

Total assets (EOY)
$16836M
-10.2% from 2016
Total participants
20,168
-1.1% from 2016
Average account balance
$840,747
-8.7% from 2016
Annual return
17.19%
-9.55 pp from 2016

Benchmarks

See 51 peers
Peer group
Industry48 - Transportation and Warehousing
Plan typeDefined contribution
Participants>=10,000
Cohort51 peers
Snapshot2024
Participant deferral / active EE
$17,314
median $3,803
Employer contribution / active EE
$42,476
median $1,389
Participation rate
99.2%
median 64.2%
Avg account balance
$840,747
median $77,360
Admin fee / account holder
$1,382
median $72
Annual return
17.19%
median 14.54%
Overall peer rank
76th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$16.84B
Average account balance
Total assets / participants with a balance (line 6g)
$841K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
20,025
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
99.2%
Contributions (total)
Employer and participant dollars contributed each year
$1.04B
Contributions per participant
Average employer and participant contribution per enrolled participant
$60K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+17.19%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$1382
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 10 of 50 by compensation
ProviderService typeCompensation
O'HAGAN GROUP INC4 years
Service code 26 · EIN 27-5551168
Advisory (Participants)
$3,524,996
UNITED WEALTH MANAGEMENT LLC10+ years
Service code 26 · EIN 56-2493882
Advisory (Participants)
$1,510,049
PARSONS CAPITAL MGMT LLC10+ years
Service code 26 · EIN 23-3087059
Advisory (Participants)
$1,244,124
FISHER INVESTMENTS10+ years
Service code 26 · EIN 20-2480800
Advisory (Participants)
$1,076,937
SOLITUDE FINANCIAL SERVICES10+ years
Service code 26 · EIN 45-1579876
Advisory (Participants)
$1,069,369
OARSMAN CAPITAL INC2 years
Service code 26 · EIN 39-2004107
Advisory (Participants)
$921,776
AVIATOR FINANCIAL CONSULTING L5 years
Service code 26 · EIN 83-1210875
Advisory (Participants)
$912,606
SYMPHONY FINANCIAL LTD. CO4 years
Service code 26 · EIN 55-0808353
Advisory (Participants)
$851,293
MOUNTAIN CAPITAL INVESTMENT AD9 years
Service code 26 · EIN 27-4826969
Advisory (Participants)
$757,849
CREATIVE PLANNING LLC4 years
Service code 26 · EIN 43-1270780
Advisory (Participants)
$757,292

Top hat statement on fileNQDC

Filed December 24, 2004 (most recent of 6 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

Plan features & details

Pension benefit codes2E2F2G2J2K2R3H2S2T3J
Plan features
  • 2E
    Profit-sharing
    Profit-sharing plan.
  • 2F
    ERISA section 404(c) plan
    This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
  • 2G
    Total participant-directed account plan
    Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
  • 2J
    Code section 401(k) feature
    Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
  • 2K
    Code section 401(m) arrangement
    Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
  • 2R
    Participant-directed brokerage accounts
    Participant-directed brokerage accounts provided as an investment option under the plan.
  • 2S
    Automatic enrollment
    Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
  • 2T
    Default investment account
    Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).
  • 3J
    U.S.-based Puerto Rico dual-qualified plan
    U.S.-based plan that covers residents of Puerto Rico and is qualified under both Code section 401 and section 1165 of the Internal Revenue Code of Puerto Rico.

Opportunity flags

3 tripped
  • OpportunityHigh fees

    Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

  • ComplianceCorrective distributions

    Plan reported corrective distributions (failed ADP/ACP testing).

  • InformationalHigh assets / participant

    Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II
Admin total
$27.7M
$1586 / participant
  • Recordkeeping$253K0.9%
  • Investment mgmt$27M99.1%
% of EOY assets
0.164%
all-in expense ratio
Categories reported
2 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
MITCHELL & TITUS
Auditor EIN
132781641
Audit fees
(not subdivided)
Opinion code
Unqualified