Unified Women's Healthcare of Texas, PLLC 401(k) Review & Grade
Uwh of Texas, PLLC 401(k) Retirement Plan
Tampa, FLHealth Care & Social Assistance734 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,653Employer $ per active participant
$6,628Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$87.9MNet plan assets, end of year
$89,869Average balance per account
Score breakdown
- Employer generosity47.4 / 5095th percentile for employer $ per participant
- Low cost14.0 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 56th |
| Employee saving | 91th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,862 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $21,379 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Unified Women's Healthcare of Texas, PLLC put in about $6,653 per active participant, more than the typical peer ($976). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,886,312 |
| Participant (employee) contributions | $4,868,025 |
| Other contributions (incl. rollovers in) | $4,741,227 |
| Administrative expenses paid from the plan | $148,805 |
| Investment advisory & management fees | $18,750 |
| Benefits paid out | $4,523,287 |
| Net assets, start / end of year | $68.9M / $87.9M |
| Active participants, start / end of year | 757 / 712 |
| Participants with account balances | 978 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Williams Overman Pierce |
Largest service providers (Schedule C)
| MVP Plan Administrators, Inc | $114,909 reported compensation |
| Gordon Asset Management | $18,750 reported compensation |
| Charles Schwab Trust Bank | $15,146 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013172257NAL0001663137001, received 2025-10-13, EIN 61-1744250, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.