Upright Holdings 401(k) match, vesting and fees
What Upright Holdings' 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 | Empower Annuity Insurance Co of Ame | Schedule C ↗ |
| Independent auditor | Watkins Uiberall, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2025 medians for 98 defined-contribution plans in construction with 1,000 to 4,999 participants.
| Upright Holdings: employer contribution per participant | $3,615 | |
| Peer median | $3,042 |
| Upright Holdings: average balance | $27,377 | |
| Peer median | $88,965 |
| Upright Holdings: admin expenses ÷ assets | 0.42% | |
| Peer median | 0.18% |
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 $13.6M at the end of plan year 2022 to $35.8M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 2,212 | $35.8M | $4.7M | $3,615 | 0.42% | Not published | Form 5500 ↗ |
| 2024 | 821 | $27.3M | $3.5M | $4,793 | 0.37% | Not published | Form 5500 ↗ |
| 2023 | 675 | $19.9M | $2.9M | $4,688 | 0.41% | Not published | Form 5500 ↗ |
| 2022 | 575 | $13.6M | $1.9M | $3,832 | 0.85% | Not published | Form 5500 ↗ |
Common questions
Does Upright Holdings match 401(k) contributions?
The match terms for the Upright Holdings Retirement Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $4.7M in employer contributions, about $3,615 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Upright Holdings 401(k) match vested?
The vesting schedule for the Upright Holdings Retirement Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Upright Holdings 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Co of Ame. The plan administrator is Upright Holdings, Inc..
I left Upright Holdings. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Upright Holdings, Inc., (901) 203-3891) or the recordkeeper, Empower Annuity Insurance Co of Ame. The Upright Holdings old 401(k) page lists the contacts from every plan filing. Find an old Upright Holdings 401(k)
Data from the public Form 5500 annual reports Upright Holdings filed with the U.S. Department of Labor (plan years 2022 and 2023 and 2024 and 2025) 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 Upright Holdings. Not financial advice. Report a correction · Methodology