United Community Bank 401(k) Plan: Login, Facts & Contact Information

United Community Bank 401(k) Plan Facts

Plan name
UCB RETIREMENT PLAN - ICBM
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
UNITED COMMUNITY BANK
Participants
62 (50 active employees)
Plan assets
$10,078,419 at Dec 31, 2024
Average account balance
$167,974 across 60 accounts
Employer contributions
$249,035 in plan year 2024 (45% of all contributions)
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Dec 31, 1970
✓ 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-SF for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Jul 21, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $550,482 went into the plan in contributions, $249,035 of it from the employer (45%).
  • $834,756 was paid out to participants.
  • Investment and other income added $1.10 million.

How the United Community Bank 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
201964$8.18 million$209,369$530,177
202068$9.62 million$217,972$398,879
202171$10.8 million$236,576$186,048
202267$8.62 million$235,566$1.31 million
202365$9.31 million$243,019$899,660
202462$10.1 million$249,035$834,756

United Community Bank 401(k) Contact Information

Phone
218-346-5700
Mailing address
301 WEST MAIN STREET, P.O. BOX 249, PERHAM MN 56573
Plan sponsor
UNITED COMMUNITY BANK
Employer identification number (EIN)
41-0474320
Plan number
001

Questions about the United Community Bank 401(k)

Does United Community Bank contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $249,035, 45% of all contributions.

Does the United Community Bank 401(k) have automatic enrollment?

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

How many people are in the United Community Bank 401(k) plan?

62 participants at the start of plan year 2024, 50 of them active employees.

What is the average 401(k) balance at United Community Bank?

About $167,974 per account: $10.1 million in plan assets across 60 accounts with a balance at the end of plan year 2024.

Who manages the United Community Bank 401(k) accounts?

SWERDLIN & COMPANY is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at United Community Bank. How do I access my 401(k)?

Your account stays with SWERDLIN & COMPANY 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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