Plan Snapshot
- Plan Sponsor: United Refining Company
- Sponsor EIN: 251411751
- Sponsor Address: 15 BRADLEY STREET, WARREN, PA, 16365
- Plan Type: 401(k)
- Total Participants: 503
- Total Assets: $90.6M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: Yes
- 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 | 503 | $90.6M | $2.0M | $3.3M |
| 2023 | 495 | $75.3M | $1.9M | $3.1M |
| 2022 | 480 | $66.2M | $1.8M | $2.9M |
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 |
|---|---|---|---|---|
| WILLIS TOWERS WATSON DELAWARE INC. | CONSULTANT | $21,137 | — | $21,137 |
| WILLIS TOWERS WATSON US LLC | CONSULTANT | $18,332 | — | $18,332 |
| LVBW, LLP | ACCOUNTANT | $16,800 | — | $16,800 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- WILLIS TOWERS WATSON US LLC — CONSULTANT
- LVBW, LLP — ACCOUNTANT
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $56,269
- Estimated Expense Ratio: 0.062% 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 | $59,110 | $39,469 | — | $16,800 | — |
| 2023 | $17,283 | $14,583 | — | — | — |
| 2022 | $34,427 | — | — | — | — |