Universal multimodal embedders enable retrieval across text, image, and combined queries, but their dense representations incur high memory and inference costs. Post-hoc sparsification could reduce these costs but remains underexplored for multimodal retrieval. We introduce PUMA, a sparse autoencoder recipe that maps universal multimodal embeddings to compact sparse codes without retraining the backbone: a pretraining stage preserves dense dot-product geometry, after which the sparse encoder is fine-tuned for retrieval. We evaluate on five benchmarks covering text-to-image and composed image retrieval. On Qwen3-VL-Embedding-2B, PUMA is statistically indistinguishable from or improves over dense retrieval on four of five datasets. We further identify two failure modes of post-hoc sparsification: insufficient pre-TopK support and retrieval-misaligned active support. PUMA reduces vector storage by 8-16x (FP32) and is up to 25x faster than exact dense scoring on larger candidate pools, enabling efficient multimodal retrieval.

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