Ray A Morgan Company Llc 401(k) Plan: Login, Facts & Contact Information

Ray A Morgan Company Llc 401(k) Plan Facts

Plan name
UBEO WEST REGION 401K PROFIT SHARING PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
UBEO WEST REGION LLC · formerly Ray A Morgan Company Llc
Participants
526 (75 active employees)
Former employees with a balance
0
Plan assets
$522,633 at Dec 31, 2024
Average account balance
$6,968 across 75 accounts
Employer contributions
$122,294 in plan year 2024 (20% of all contributions)
Recordkeeper
Empower Annuity Group
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Sep 1, 1968
✓ Employer contributions— Automatic enrollment— Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $598,561 went into the plan in contributions, $122,294 of it from the employer (20%).
  • $1.56 million was paid out to participants.
  • Investment and other income added $1.30 million.
  • Administrative expenses were $56,385, about $752 per account.

How the Ray A Morgan Company Llc 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019491$20.2 million$127,500$601,448
2020489$18.1 million$236,831$6.00 million
2021450$22.9 million$622,947$1.91 million
2022474$19.2 million$705,813$2.41 million
2023447$24.9 million$697,721$1.44 million
2024526$522,633$122,294$1.56 million

Ray A Morgan Company Llc 401(k) Contact Information

Phone
530-343-6065
Mailing address
3131 ESPLANADE, CHICO CA 95973
Plan sponsor
UBEO WEST REGION LLC
Employer identification number (EIN)
94-1461160
Plan number
001

Questions about the Ray A Morgan Company Llc 401(k)

Does Ray A Morgan Company Llc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $122,294, 20% of all contributions.

Does the Ray A Morgan Company Llc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Ray A Morgan Company Llc 401(k) plan?

526 participants at the start of plan year 2024, 75 of them active employees.

What is the average 401(k) balance at Ray A Morgan Company Llc?

About $6,968 per account: $522,633 in plan assets across 75 accounts with a balance at the end of plan year 2024.

Who manages the Ray A Morgan Company Llc 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY GROUP) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Ray A Morgan Company Llc. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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