Plan Snapshot
- Plan Sponsor: Union Commonwealth University
- Sponsor EIN: 610461768
- Sponsor Address: 310 COLLEGE STREET, BARBOURVILLE, KY, 409061499
- Plan Type: 403(b)
- Plan Number: 001
- Total Participants: 296
- Total Assets: $18.0M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: Yes
- 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. |
|---|---|---|---|---|
| 2025 | 296 | $18.0M | $0 | $0 |
| 2024 | 89 | $18.5M | $69,775 | $277,747 |
| 2023 | 79 | $17.8M | $61,154 | $245,627 |
| 2022 | 86 | $16.5M | $63,961 | $267,372 |
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 |
|---|---|---|---|---|
| TWO WEST CAPITAL ADVISORS | Other Service Provider | $24,279 | — | $24,279 |
| TIAA TEACHERS INSURANCE AND ANNUITY | Other Service Provider | $14,155 | — | $14,155 |
| COULTER & JUSTUS | Other Service Provider | $8,000 | — | $8,000 |
| PENTEGRA SERVICES, INC. | Other Service Provider | $7,745 | — | $7,745 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $54,179
- Estimated Expense Ratio: 0.301% 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 |
|---|---|---|---|---|---|
| 2025 | $3,988,914 | $38,435 | $7,745 | $8,000 | — |
| 2024 | $31,393 | — | $31,242 | — | — |
| 2023 | $39,036 | — | $37,565 | — | — |
| 2022 | $37,332 | — | $37,332 | — | — |