Group Voyagers, Inc. 401(k) Review & Grade
Group Voyagers, Inc. Employees' 401(k) Plan
Denver, COTransportation & Warehousing502 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,178Employer $ per active participant
$4,448Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$96.4MNet plan assets, end of year
$121,853Average balance per account
Score breakdown
- Employer generosity37.2 / 5074th percentile for employer $ per participant
- Low cost20.1 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1569th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 80th |
| Employee saving | 69th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Group Voyagers put in about $2,178 per active participant, more than the typical peer ($1,070). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $1,092,391 |
| Participant (employee) contributions | $2,230,717 |
| Other contributions (incl. rollovers in) | $1,601,474 |
| Administrative expenses paid from the plan | $68,516 |
| Other admin expenses | $68,516 |
| Benefits paid out | $5,193,317 |
| Net assets, start / end of year | $85.6M / $96.4M |
| Active participants, start / end of year | 478 / 525 |
| Participants with account balances | 791 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Metz CPA, PLLC |
Largest service providers (Schedule C)
| Vanguard Advisers Inc. | $36,055 reported compensation |
| The Vanguard Group, Inc. | $35,571 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013135413NAL0001368369001, received 2025-10-13, EIN 13-1996573, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.