ST. Vincent De Paul Village 401(k) Review & Grade
ST. Vincent De Paul Village 401(k) Profit Sharing Plan
San Diego, CAOther Services560 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$440Employer $ per active participant
$2,516Employee $ saved per active participant
0.94%Direct admin cost, % of plan assets
$7.6MNet plan assets, end of year
$11,563Average balance per account
Score breakdown
- Employer generosity13.7 / 5027th percentile for employer $ per participant
- Low cost1.8 / 257th percentile for low admin cost vs. same-size plans
- Employee saving7.3 / 1549th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score16 / 100 · Grade F
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 7th |
| Employee saving | 49th |
| Peers that auto-enroll | 40% |
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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 ($54,642 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- ST. Vincent De Paul Village put in about $440 per active participant, below the typical peer ($1,257). 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.
- Direct plan expenses (0.94% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $246,042 |
| Participant (employee) contributions | $1,407,911 |
| Other contributions (incl. rollovers in) | $85,171 |
| Administrative expenses paid from the plan | $64,961 |
| Benefits paid out | $1,155,790 |
| Net assets, start / end of year | $6.2M / $7.6M |
| Active participants, start / end of year | 465 / 654 |
| Participants with account balances | 654 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Duffy Kruspodin LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $44,271 reported compensation |
| Premier Plan Consultants Inc. | $1,872 reported compensation |
| Cambridge Investment Group | $1,361 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015192102NAL0011186498001, received 2025-10-15, EIN 33-0492302, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.