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Original filing (PDF)20251014153214NAL0006671378001
UNIFIED BUSINESS TECHNOLOGIES INC.
Form 5500
FILING_RECEIVED
UNIFIED BUSINESS TECHNOLOGIES INC. 401K PLAN
401(k) retirement plan
Signals · 2
~129 bps in Sched C feesNo recordkeeper disclosed
Active participants
236
Accounts w/ balance
201
Plan assets (EOY)
$8.1M
Net assets (EOY)
$8.1M
How this plan invests
This plan
2 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 129 bps in Schedule C fees — 147% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UNIFIED BUSINESS TECHNOLOGIES INC..
Plan sponsor
Name
UNIFIED BUSINESS TECHNOLOGIES INC.
EIN
38-3399677
Address
353 INDUSCO COURT · TROY, MI · 48083
Phone
(717) 919-0957
Industry
Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
ALAN C. YOUNG & ASSOCIATES
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsTPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $86K | — |
| THE MANDMARBLESTONE GROUP LLC | 20-4780677 | — | CONTRACT ADMINISTRATOR | $18K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL LLC | 95-2834236 | — | OTHER SERVICES | $0 | — |
| S B H U LIFE AGENCY INC. | 13-2896238 | — | OTHER SERVICES | $0 | — |
Investments
25 direct securities · 2 pooled funds· $16.2M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$8.1M
25 holdings
Common Collective Trust
$6.2M
1 holding
Pooled Separate Account
$1.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRINCIPAL COLLECTIVE TRUSTS PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 000 | Common Collective Trust | — | — | $6.2M | 75.9% | |
| PRINCIPAL SEPARATE ACCOUNTS PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 000 | Pooled Separate Account | — | — | $1.9M | 23.3% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2030 CIT Z | — | — | — | $1.2M | 14.6% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2050 CIT Z | — | — | — | $916K | 11.3% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2040 CIT Z | — | — | — | $816K | 10.1% | |
| Principal Life Insurance Company Prin LgCp S&P 500 Index SA-Z | — | — | — | $709K | 8.7% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2015 CIT Z | — | — | — | $629K | 7.8% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2045 CIT Z | — | — | — | $543K | 6.7% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2035 CIT Z | — | — | — | $471K | 5.8% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2055 CIT Z | — | — | — | $461K | 5.7% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2025 CIT Z | — | — | — | $369K | 4.6% | |
| Principal Life Insurance Company Prin SmCap S&P 600 Index SA-Z | — | — | — | $364K | 4.5% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2060 CIT Z | — | — | — | $279K | 3.4% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2020 CIT Z | — | — | — | $252K | 3.1% | |
| Principal Life Insurance Company Prin LargeCap Growth I SA-Z | — | — | — | $225K | 2.8% | |
| Principal Life Insurance Company Prin Intl Eq Separate Acct-Z | — | — | — | $156K | 1.9% | |
| Principal Life Insurance Company Prin MidCap S&P 400 Idx SA-Z | — | — | — | $128K | 1.6% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr Inc CIT Z | — | — | — | $111K | 1.4% | |
| Principal Life Insurance Company Principal Core Plus Bond Sep Acct-Z | — | — | — | $83K | 1.0% | |
| Principal Life Insurance Company Prin MidCap Growth Sep Acct-Z | — | — | — | $81K | 1.0% | |
| October 19, 2029. - | — | — | — | $80K | 1.0% | |
| Principal Global Investors Trust Co Principal Stable Value Z Fund | — | — | — | $74K | 0.9% | |
| Principal Life Insurance Company Prin MidCap Value I SA-Z | — | — | — | $53K | 0.7% | |
| Principal Life Insurance Company Prin Real Estate Secs SA-Z | — | — | — | $50K | 0.6% | |
| Principal Global Investors Trust Co Prin LifeTime Hybr 2065 CIT Z | — | — | — | $40K | 0.5% | |
| Principal Life Insurance Company Prin LargeCap Value III SA-Z | — | — | — | $38K | 0.5% | |
| Principal Global Investors Trust Co Prin LifeTime Hyb 2070 CIT Z | — | — | — | $10K | 0.1% |
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