Retirement plan

U.M.C., INC EMPLOYEE 401(K) PLAN

Name: U.M.C., INC. - U.M.C., INC EMPLOYEE 401(K) PLAN (2025) Form 5500
Creator: U.M.C., INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, U.M.C., INC EMPLOYEE 401(K) PLAN, U.M.C., INC.

U.M.C., INC.EIN 41-0970352Plan #001PY 2025

500 CHELSEA ROAD - MONTICELLO, MN 55362763-271-5219

Prospect flagsHigh feesCorrective distributions

How to read this page

Total assets (EOY)

$31.6M

+18.8% from 2024

Total participants

267

+1.9% from 2024

Average account balance

$121,121

+16.5% from 2024

Annual return

17.99%

+4.55 pp from 2024

Benchmarks

See 1,074 peers

Peer group

Industry33 - Manufacturing

Plan typeDefined contribution

Participants100-249

Cohort1,074 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$31.61M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$121K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

261

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

97.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.95M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+17.99%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$355

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
JPMORGAN INVEST HOLDINGS LLC7 years Service code 64 · EIN 13-2624428	Recordkeeping Fees	$47,364
SAGEVIEW ADVISORY GROUP, LLC4 years Service code 27 1920 MAIN ST · IRVINE, CA 92614	Advisory (Plan)	$28,236
DS & B, LTD2 years Service code 10 222 SOUTH 9TH STREET · MINNEAPOLIS, MN 55402	Accounting	$17,100

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3B3D

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.
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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 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).

Expense breakdown

Schedule H Part II

Admin total

$93K

$471 / participant

Recordkeeping$47K51.1%
Investment mgmt$28K30.5%
Other / not subdivided$17K18.4%

% of EOY assets

0.293%

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: DS&B LTD
Auditor EIN: 411475695
Audit fees: $17,100
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$121,121

$81,334+48.9%

$113,397+6.8%

$64,097+89.0%

Participation rate

97.0%

65.6%+31.3pp

76.5%+20.5pp

55.2%+41.8pp

Annual return

17.99%

32.50%-14.5pp

23.20%-5.2pp

34.64%-16.6pp

Employer contribution / active EE

$3,640

$2,077+75.3%

$2,977+22.3%

$1,891+92.5%

Participant deferral / active EE

$6,266

$3,795+65.1%

$5,076+23.4%

$3,080+103.4%

Admin fee / account holder

$355

$4,208-91.6%

$11,957-97.0%

$3,454-89.7%

Provider

Service type

Compensation

JPMORGAN INVEST HOLDINGS LLC7 years

Service code 64 · EIN 13-2624428

Recordkeeping Fees

$47,364

SAGEVIEW ADVISORY GROUP, LLC4 years

Service code 27

1920 MAIN ST · IRVINE, CA 92614

Advisory (Plan)

$28,236

DS & B, LTD2 years

Service code 10

222 SOUTH 9TH STREET · MINNEAPOLIS, MN 55402

Accounting

$17,100

U.M.C., INC EMPLOYEE 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

U.M.C., INC EMPLOYEE 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion