Civic Intelligence

Universal Fire & Casualty

Plan context: Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust

EIN 35-1372324 • Waterford, MI • 16 filings • 7 plans

2850 Dixie Hwy Ste 100Waterford, MI 48328-1787
Current Snapshot

Latest Year

2025

2025 Participants

128

2025 Assets

$5,013,539

2025 Contributions

$1,643,650

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$5,013,539$2,506,770$0199920122025YearValue
$5,013,539Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

128640199920122025YearValue
128Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
20251128$5,013,539$1,643,650$12,841iApproximate average salary by contribution assumption: employee only about $321,025 at 4% or $214,017 at 6%; with 50% employer match about $214,017 at 4% or $142,678 at 6%; with 100% employer match about $160,513 at 4% or $107,008 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-128$5,013,539$1,643,650$12,841iApproximate average salary by contribution assumption: employee only about $321,025 at 4% or $214,017 at 6%; with 50% employer match about $214,017 at 4% or $142,678 at 6%; with 100% employer match about $160,513 at 4% or $107,008 at 6%.
20241118$3,035,510$1,369,621$11,607iApproximate average salary by contribution assumption: employee only about $290,174 at 4% or $193,449 at 6%; with 50% employer match about $193,449 at 4% or $128,966 at 6%; with 100% employer match about $145,087 at 4% or $96,725 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-118$3,035,510$1,369,621$11,607iApproximate average salary by contribution assumption: employee only about $290,174 at 4% or $193,449 at 6%; with 50% employer match about $193,449 at 4% or $128,966 at 6%; with 100% employer match about $145,087 at 4% or $96,725 at 6%.
2023176$1,530,593$843,028$11,092iApproximate average salary by contribution assumption: employee only about $277,312 at 4% or $184,875 at 6%; with 50% employer match about $184,875 at 4% or $123,250 at 6%; with 100% employer match about $138,656 at 4% or $92,437 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-76$1,530,593$843,028$11,092iApproximate average salary by contribution assumption: employee only about $277,312 at 4% or $184,875 at 6%; with 50% employer match about $184,875 at 4% or $123,250 at 6%; with 100% employer match about $138,656 at 4% or $92,437 at 6%.
2022148$601,230$450,991$9,396iApproximate average salary by contribution assumption: employee only about $234,891 at 4% or $156,594 at 6%; with 50% employer match about $156,594 at 4% or $104,396 at 6%; with 100% employer match about $117,446 at 4% or $78,297 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-48$601,230$450,991$9,396iApproximate average salary by contribution assumption: employee only about $234,891 at 4% or $156,594 at 6%; with 50% employer match about $156,594 at 4% or $104,396 at 6%; with 100% employer match about $117,446 at 4% or $78,297 at 6%.
2021125$206,815$198,178$7,927iApproximate average salary by contribution assumption: employee only about $198,178 at 4% or $132,119 at 6%; with 50% employer match about $132,119 at 4% or $88,079 at 6%; with 100% employer match about $99,089 at 4% or $66,059 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-25$206,815$198,178$7,927iApproximate average salary by contribution assumption: employee only about $198,178 at 4% or $132,119 at 6%; with 50% employer match about $132,119 at 4% or $88,079 at 6%; with 100% employer match about $99,089 at 4% or $66,059 at 6%.
201410$0$1-
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-0$0$1-
201317$116,449$13,080$1,869iApproximate average salary by contribution assumption: employee only about $46,714 at 4% or $31,143 at 6%; with 50% employer match about $31,143 at 4% or $20,762 at 6%; with 100% employer match about $23,357 at 4% or $15,571 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-7$116,449$13,080$1,869iApproximate average salary by contribution assumption: employee only about $46,714 at 4% or $31,143 at 6%; with 50% employer match about $31,143 at 4% or $20,762 at 6%; with 100% employer match about $23,357 at 4% or $15,571 at 6%.
201214$80,109$10,462$2,616iApproximate average salary by contribution assumption: employee only about $65,388 at 4% or $43,592 at 6%; with 50% employer match about $43,592 at 4% or $29,061 at 6%; with 100% employer match about $32,694 at 4% or $21,796 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-4$80,109$10,462$2,616iApproximate average salary by contribution assumption: employee only about $65,388 at 4% or $43,592 at 6%; with 50% employer match about $43,592 at 4% or $29,061 at 6%; with 100% employer match about $32,694 at 4% or $21,796 at 6%.
201115$68,678$11,019$2,204iApproximate average salary by contribution assumption: employee only about $55,095 at 4% or $36,730 at 6%; with 50% employer match about $36,730 at 4% or $24,487 at 6%; with 100% employer match about $27,548 at 4% or $18,365 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-5$68,678$11,019$2,204iApproximate average salary by contribution assumption: employee only about $55,095 at 4% or $36,730 at 6%; with 50% employer match about $36,730 at 4% or $24,487 at 6%; with 100% employer match about $27,548 at 4% or $18,365 at 6%.
201015$58,364$11,468$2,294iApproximate average salary by contribution assumption: employee only about $57,340 at 4% or $38,227 at 6%; with 50% employer match about $38,227 at 4% or $25,484 at 6%; with 100% employer match about $28,670 at 4% or $19,113 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-5$58,364$11,468$2,294iApproximate average salary by contribution assumption: employee only about $57,340 at 4% or $38,227 at 6%; with 50% employer match about $38,227 at 4% or $25,484 at 6%; with 100% employer match about $28,670 at 4% or $19,113 at 6%.
200915$40,886$10,406$2,081iApproximate average salary by contribution assumption: employee only about $52,030 at 4% or $34,687 at 6%; with 50% employer match about $34,687 at 4% or $23,124 at 6%; with 100% employer match about $26,015 at 4% or $17,343 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-5$40,886$10,406$2,081iApproximate average salary by contribution assumption: employee only about $52,030 at 4% or $34,687 at 6%; with 50% employer match about $34,687 at 4% or $23,124 at 6%; with 100% employer match about $26,015 at 4% or $17,343 at 6%.
200818$21,859$8,832$1,104iApproximate average salary by contribution assumption: employee only about $27,600 at 4% or $18,400 at 6%; with 50% employer match about $18,400 at 4% or $12,267 at 6%; with 100% employer match about $13,800 at 4% or $9,200 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-8$21,859$8,832$1,104iApproximate average salary by contribution assumption: employee only about $27,600 at 4% or $18,400 at 6%; with 50% employer match about $18,400 at 4% or $12,267 at 6%; with 100% employer match about $13,800 at 4% or $9,200 at 6%.
200718$24,558$7,505$938iApproximate average salary by contribution assumption: employee only about $23,453 at 4% or $15,635 at 6%; with 50% employer match about $15,635 at 4% or $10,424 at 6%; with 100% employer match about $11,727 at 4% or $7,818 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-8$24,558$7,505$938iApproximate average salary by contribution assumption: employee only about $23,453 at 4% or $15,635 at 6%; with 50% employer match about $15,635 at 4% or $10,424 at 6%; with 100% employer match about $11,727 at 4% or $7,818 at 6%.
200618$15,020$7,299$912iApproximate average salary by contribution assumption: employee only about $22,809 at 4% or $15,206 at 6%; with 50% employer match about $15,206 at 4% or $10,138 at 6%; with 100% employer match about $11,405 at 4% or $7,603 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-8$15,020$7,299$912iApproximate average salary by contribution assumption: employee only about $22,809 at 4% or $15,206 at 6%; with 50% employer match about $15,206 at 4% or $10,138 at 6%; with 100% employer match about $11,405 at 4% or $7,603 at 6%.
200010$0$0-
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-0---
1999112$439,298$46,924$3,910iApproximate average salary by contribution assumption: employee only about $97,758 at 4% or $65,172 at 6%; with 50% employer match about $65,172 at 4% or $43,448 at 6%; with 100% employer match about $48,879 at 4% or $32,586 at 6%.
Universal Fire & Casualty 401(K) Profit Sharing Plan & Trust-12$439,298$46,924$3,910iApproximate average salary by contribution assumption: employee only about $97,758 at 4% or $65,172 at 6%; with 50% employer match about $65,172 at 4% or $43,448 at 6%; with 100% employer match about $48,879 at 4% or $32,586 at 6%.