United Refining 401(k) match, vesting and fees
What United Refining's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Merrill Lynch, Pierce, Fenner and S | Schedule C ↗ |
| Independent auditor | Lvbw, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 1,612 defined-contribution plans in manufacturing with 500 to 999 participants.
| United Refining: employer contribution per participant | $3,850 | |
| Peer median | $2,038 |
| United Refining: average balance | $171,903 | |
| Peer median | $72,907 |
| United Refining: admin expenses ÷ assets | 0.07% | |
| Peer median | 0.20% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $76.7M at the end of plan year 2021 to $90.6M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 559 | $90.6M | $2M | $3,850 | 0.07% | Not published | Form 5500 ↗ |
| 2023 | 557 | $75.3M | $1.9M | $3,644 | 0.02% | Not published | Form 5500 ↗ |
| 2022 | 538 | $66.2M | $1.8M | $3,495 | 0.05% | Not published | Form 5500 ↗ |
| 2021 | 521 | $76.7M | $1.7M | $3,480 | 0.03% | Not published | Form 5500 ↗ |
Other United Refining plans (3)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
United Refining Company Incentive Savings Plan for Hourly Employees
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Merrill Lynch, Pierce, Fenner and S | Schedule C ↗ |
| Independent auditor | Lvbw, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
United Refining Company Pension Plan for Hourly Employees
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Lvbw LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Terminated (final filing) | Form 5500 ↗ |
United Refining Company Consolidated Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Lvbw LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Terminated (final filing) | Form 5500 ↗ |
Common questions
Does United Refining match 401(k) contributions?
The match terms for the United Refining Company Incentive Savings Plan for Salaried Employees have not been published from its filing yet. The plan year 2024 filing reports $2M in employer contributions, about $3,850 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the United Refining 401(k) match vested?
The vesting schedule for the United Refining Company Incentive Savings Plan for Salaried Employees is not in the data published so far. Your Summary Plan Description states it.
Who manages the United Refining 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Merrill Lynch, Pierce, Fenner and S. The plan administrator is United Refining Company.
I left United Refining. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (United Refining Company, (814) 726-4670) or the recordkeeper, Merrill Lynch, Pierce, Fenner and S. The United Refining old 401(k) page lists the contacts from every plan filing. Find an old United Refining 401(k)
Data from the public Form 5500 annual reports United Refining filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with United Refining. Not financial advice. Report a correction · Methodology