NVR, Inc. 401(k) Review & Grade
NVR, Inc. Profit Sharing Plan
Reston, VAConstruction6,902 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$799Employer $ per active participant
$7,118Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$1.0BNet plan assets, end of year
$129,967Average balance per account
Score breakdown
- Employer generosity11.3 / 5023th percentile for employer $ per participant
- Low cost18.7 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1569th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 75th |
| Employee saving | 69th |
| Peers that auto-enroll | 57% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($747,361 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $65,450 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- NVR put in about $799 per active participant, below the typical peer ($1,965). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $5,513,353 |
| Participant (employee) contributions | $49,126,671 |
| Other contributions (incl. rollovers in) | $7,019,999 |
| Administrative expenses paid from the plan | $547,472 |
| Contract administrator fees | $2,400 |
| Investment advisory & management fees | $211,066 |
| Benefits paid out | $72,163,211 |
| Net assets, start / end of year | $880.5M / $1.0B |
| Active participants, start / end of year | 6,515 / 7,289 |
| Participants with account balances | 7,889 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $337,935 reported compensation |
| Strategic Advisors, Inc. | $172,441 reported compensation |
| NFP Retirement, Inc. | $38,625 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929151210NAL0011461905001, received 2025-09-29, EIN 54-1394360, plan #333, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.