United Refining Company 401(k) Plan: Login, Facts & Contact Information
United Refining Company 401(k) Login
50 former United Refining Company employees still have money in this plan.
Retirement plan providers can change. This information is from the plan's 2024 filing.
United Refining Company 401(k) Plan Facts
Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 15, 2025. Public filing with the U.S. Department of Labor.
Money in and out in plan year 2024
- $12.4 million went into the plan in contributions, $2.03 million of it from the employer (16%).
- $9.48 million was paid out to participants.
- Investment and other income added $10.5 million.
- Administrative expenses were $59,110, about $112 per account.
How the United Refining Company 401(k) changed, 2019–2024
| Plan year | Participants | Plan assets | Employer contributions | Benefits paid |
|---|---|---|---|---|
| 2019 | 493 | $59.2 million | $1.52 million | $4.62 million |
| 2020 | 500 | $69.8 million | $1.58 million | $3.01 million |
| 2021 | 510 | $76.7 million | $1.74 million | $7.83 million |
| 2022 | 521 | $66.2 million | $1.80 million | $6.99 million |
| 2023 | 538 | $75.3 million | $1.90 million | $6.40 million |
| 2024 | 557 | $90.6 million | $2.03 million | $9.48 million |
United Refining Company 401(k) Contact Information
Questions about the United Refining Company 401(k)
Does United Refining Company contribute to the 401(k)?
Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $2.03 million, 16% of all contributions.
Does the United Refining Company 401(k) have automatic enrollment?
Yes. The plan reports automatic enrollment of eligible employees.
How many people are in the United Refining Company 401(k) plan?
557 participants at the start of plan year 2024, 503 of them active employees, and 50 former employees who still had money in the plan.
What is the average 401(k) balance at United Refining Company?
About $171,903 per account: $90.6 million in plan assets across 527 accounts with a balance at the end of plan year 2024.
Who manages the United Refining Company 401(k) accounts?
Merrill Benefits OnLine (listed on the filing as MERRILL LYNCH, PIERCE, FENNER AND S) is the plan's recordkeeper, which is where participants log in to see their balance.
I no longer work at United Refining Company. How do I access my 401(k)?
Your account stays with Merrill Benefits OnLine 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.