# Board Of Trustees Of The Ugsao Retirement Plan 401(k) Plan
Source: https://planprovider.pro/companies/ugsoa-board-of-trustees-401k-plan

> Board Of Trustees Of The Ugsao Retirement Plan's 401(k) plan: 2,443 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Board Of Trustees Of The Ugsao Retirement Plan

- **Sponsor EIN:** 464857037

- **Sponsor Address:** 2879 CRANBERRY HIGHWAY, EAST WAREHAM, MA, 025381327

- **Plan Type:** 401(k)

- **Total Participants:** 2,443

- **Total Assets:** $29.5M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|2,443|$29.5M|$6.7M|$657,044|

| 2023|1,514|$28.0M|$6.0M|$462,173|

| 2022|1,752|$24.2M|$5.5M|$358,722|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| PRINCIPAL LIFE INSURANCE COMPANY|CONTRACT ADMINISTRATOR|$190,583|—|$190,583|

| PENTEGRA SERVICES INC.|PLAN ADMINISTRATOR|$101,864|—|$101,864|

| NORUS ADVISORS|NONE|$44,183|—|$44,183|

| COMMONWEALTH FINANCIAL NETWORK|INVESTMENT ADVISORY|—|$26,158|$26,158|

| ORENDA RETIREMENT LLC|CONTRACT ADMINISTRATOR|—|$21,973|$21,973|

| NEEDLES & ASSOCIATES LLC|ACCOUNTANT|$10,476|—|$10,476|

| MATRIX|CUSTODIAN|$8,652|—|$8,652|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [NORUS ADVISORS](https://planprovider.pro/provider/novus-advisors) — NONE

- [COMMONWEALTH FINANCIAL NETWORK](https://planprovider.pro/provider/commonwealth-financial-network) — INVESTMENT ADVISORY

- [MATRIX](https://planprovider.pro/provider/aspire-financial-services) — CUSTODIAN

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $403,889

- **Estimated Expense Ratio:** 1.370% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$360,752|$44,183|$292,447|$14,410|—|

| 2023|$418,340|$105,213|$195,785|$23,052|—|

| 2022|$436,635|$101,649|—|—|$1,248|

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