Universal City Development Partners, LTD Universal Orlando 401(k) Review & Grade
Universal Orlando 401(k) Retirement Plan
Orlando, FLArts, Entertainment & Recreation21,878 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,954Employer $ per active participant
$2,858Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$833.9MNet plan assets, end of year
$56,165Average balance per account
Score breakdown
- Employer generosity23.1 / 5046th percentile for employer $ per participant
- Low cost18.2 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1534th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score47 / 100 · Grade C
This plan vs. peers
Peers: all industries, plans with 10,000+ active participants (fewer than 30 industry peers) (820 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 46th |
| Lower admin cost | 73th |
| Employee saving | 34th |
| Peers that auto-enroll | 50% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Universal City Development Partners, LTD Universal Orlando put in about $1,954 per active participant, below the typical peer ($2,229). 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.
- 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.
- 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 | $42,738,709 |
| Participant (employee) contributions | $62,526,858 |
| Other contributions (incl. rollovers in) | $24,109,406 |
| Administrative expenses paid from the plan | $353,134 |
| Contract administrator fees | $1,800 |
| Investment advisory & management fees | $58,693 |
| Benefits paid out | $57,339,259 |
| Net assets, start / end of year | $661.2M / $833.9M |
| Active participants, start / end of year | 21,662 / 22,093 |
| Participants with account balances | 14,848 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | SB & Company, LLC |
Largest service providers (Schedule C)
| Fidelity Inves Inst Opers Co, Inc | $293,075 reported compensation |
| Financial Engines | $58,693 reported compensation |
| SB & Company, LLC | $14,970 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007175519NAL0005143121003, received 2025-10-07, EIN 59-3128514, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.