UBEO 401(K) RETIREMENT PLAN Contribution & Employer Match

How UBEO, LLC Supports Your Retirement Savings

UBEO, LLC provides retirement savings benefits through UBEO 401(K) RETIREMENT PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.

UBEO 401(K) RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for UBEO 401(K) RETIREMENT PLAN is $80,182.00

UBEO 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for UBEO 401(K) RETIREMENT PLAN is $12,550.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
803,248.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,550.00 in UBEO 401(K) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in UBEO 401(K) RETIREMENT PLAN

An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.

UBEO 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, UBEO 401(K) RETIREMENT PLAN allocates $2,188,056.00 to match its employees’ contributions, providing an employer match rate of 35.36% of their contributions

UBEO 401(K) RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in UBEO 401(K) RETIREMENT PLAN is approximately $2,219.00
Investing in this additonal $2,219.00 for 20 years would give you extra $142,023.00, assuming a 10% annual return.

* Data are from public filings.

Are You Leaving Dollars on the Table?

If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.

Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.

UBEO 401(K) RETIREMENT PLAN Contribution & Match Policy

UBEO 401(K) RETIREMENT PLAN Plan Policies

UBEO 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • The Plan allows participants to contribute up to 100% of their annual compensation, subject to certain limitations of the Plan and the Internal Revenue Code (IRC).
  • Participants may also rollover contributions from other qualified retirement plans, at the discretion of the Plan Administrator.
  • During 2024 and 2023, participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions of up to $7,500.
  • The Plan provides an automatic enrollment provision in which all newly eligible employees are enrolled to contribute 3% of their annual salary, unless they affirmatively elect not to participate in the Plan within 30 days.
  • Contributions are automatically invested in a fund designated by the Plan Administrator based on the age of the participant until changed by the participant.
  • The Plan also included an automatic escalation provision in which participants were subject to an annual deferral rate increase of 1% until their deferral rate reached 10% of eligible compensation.
  • Participants could elect to discontinue their participation in the automatic deferral rate increase at any time.
  • Effective March 15, 2024, the automatic escalation provision was removed.
  • Through March 14, 2024, the Company could make a discretionary matching contribution in an amount determined each year.
  • During 2024 and 2023, the Company made matching contributions equal to 50% of each participant’s elective deferral up to a maximum of 3% of the participant’s eligible compensation.
  • As of March 15, 2024, the Company may make non-elective contributions on behalf of the participants at the election of the Plan Sponsor’s Board of Directors to employees who have completed one month of service.
  • The Company made no non-elective contributions to the Plan for the year ended December 31, 2024.
  • Through March 14, 2024, the Company could make discretionary profit-sharing contributions on behalf of the participants at the election of the Plan Sponsor’s Board of Directors to employees who have completed one year of service.
  • The Company made no discretionary profit-sharing contributions to the Plan for the year ended December 31, 2023.
  • Participants are immediately vested in their contributions and actual earnings and losses thereon.
  • Company contributions are subject to five-year graded vesting schedule at a rate of 20% each year.
  • Participants are also fully vested upon death or total and permanent disability.
  • Prior to March 15, 2024, participants were considered to have completed one year of service for vesting purposes upon completion of 1,000 hours of service at any time during the plan year.
  • Effective March 15, 2024, the 1,000-hour requirement was eliminated, and vesting service periods are based on date of hire.

2025 IRS 401(k) Contribution Limits

The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:

 20242025
Employee elective deferrals (pretax + Roth)$23,000$23,500
Employee + employer contributions combined$69,000$70,000
Catch-up contributions (age 50+)$7,500$7,500
Enhanced catch-up (ages 60–63, SECURE 2.0)N/A$11,250

The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.

Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.

Get Key Insights for This Plan

Join our community and get data-driven insights about UBEO 401(K) RETIREMENT PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.

Notify Me When Ratings Go Live

Explore More Plan Resources

Plan Login Directory Employer Match Guide Rollover Options Hub

Recent Articles

More Articles

Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell

Get Started

Looking for ideas to generate income?

  • ETF or mutual fund income portfolios for 4-7% annual income
  • Dividend stock funds
  • Passive real estate investments
  • more …

Click for tips and plans for income

Portfolio Calculator (Simulator)

Quickly enter fund allocation and get a back test result on the performance of this ‘lazy’ portfolio.

Customize Asset Allocation Portfolios

Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.

Retirement Calculator

See how much you can save for retirement.

Investment Calculator

Grow your wealth and see the power of compounding.


Looking for a (forgotten) 401(k)?

Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …

Keep researching UBEO 401(K) RETIREMENT PLAN

Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.

Related Calculators

Related Plans