United Call Center Solutions, LLC 401(k) Review & Grade
United Call Center Solutions, LLC 401(k) Plan
Dallas, TXAdministrative, Support & Staffing Services3,984 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$80Employer $ per active participant
$324Employee $ saved per active participant
2.30%Direct admin cost, % of plan assets
$6.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity17.3 / 5035th percentile for employer $ per participant
- Low cost0.1 / 251th percentile for low admin cost vs. same-size plans
- Employee saving3.4 / 1523th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score21 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 1th |
| Employee saving | 23th |
| Peers that auto-enroll | 22% |
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Red flags from the filing
Corrective distributions: the plan refunded $121,801 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- United Call Center Solutions put in about $80 per active participant, below the typical peer ($342). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (2.30% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $319,780 |
| Participant (employee) contributions | $1,291,667 |
| Other contributions (incl. rollovers in) | $113,578 |
| Administrative expenses paid from the plan | $150,868 |
| Investment advisory & management fees | $29,190 |
| Benefits paid out | $1,376,841 |
| Net assets, start / end of year | $6.2M / $6.9M |
| Active participants, start / end of year | 6,620 / 1,347 |
| Participants with account balances | 627 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Miller Cooper & Co., LTD |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $94,349 reported compensation |
| Miller Cooper & Co LTD | $23,500 reported compensation |
| Creative Planning Holdco LLC DBA CR | $11,263 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015124209NAL0009281650001, received 2025-10-15, EIN 83-2018520, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.