# United Refining Company 401(k) Plan
Source: https://planprovider.pro/companies/united-refining-company-401k-plan

> United Refining Company's 401(k) plan: 348 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** United Refining Company

- **Sponsor EIN:** 251411751

- **Sponsor Address:** P.O. BOX 780, WARREN, PA, 163650780

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

- **Total Participants:** 348

- **Total Assets:** $43.2M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** Yes

- **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|348|$43.2M|$1.4M|$2.1M|

| 2023|338|$37.5M|$1.2M|$1.9M|

| 2022|349|$31.7M|$1.3M|$2.1M|

## 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|$17,111|—|$17,111|

| LVBW, LLP|ACCOUNTANT|$16,800|—|$16,800|

### Verified Provider Profiles

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

- [LVBW, LLP](https://planprovider.pro/provider/lvbw-llp) — ACCOUNTANT

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $33,911

- **Estimated Expense Ratio:** 0.078% 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|$38,027|$19,743|—|$16,800|—|

| 2023|$5,027|$3,646|—|—|—|

| 2022|$10,066|—|—|—|—|

## Similar Plans

- [American Refining Group, INC.](https://planprovider.pro/companies/american-refining-group-inc-401k-plan) — 325 participants

- [United Refining Company](https://planprovider.pro/companies/united-refining-company-401k-plan-004) — 503 participants

- [Monroe Energy, LLC](https://planprovider.pro/companies/monroe-energy-llc-401k-plan) — 531 participants

- [United Refining Company Of Pennsylvania](https://planprovider.pro/companies/united-refining-company-of-pennsylvania-plan) — 2,471 participants

[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/united-refining-company-401k-plan)

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