The Vane Brothers Company 401(k) Review & Grade
The Vane Brothers Company Retirement Savings Plan
Baltimore, MDTransportation & Warehousing824 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,111Employer $ per active participant
$9,466Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$109.2MNet plan assets, end of year
$114,859Average balance per account
Score breakdown
- Employer generosity25.6 / 5051th percentile for employer $ per participant
- Low cost21.1 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default 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 | 51th |
| Lower admin cost | 85th |
| Employee saving | 94th |
| 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
- Vane Brothers put in about $1,111 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $915,495 |
| Participant (employee) contributions | $7,799,742 |
| Other contributions (incl. rollovers in) | $879,593 |
| Administrative expenses paid from the plan | $60,231 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $24,997 |
| Benefits paid out | $7,768,205 |
| Net assets, start / end of year | $94.6M / $109.2M |
| Active participants, start / end of year | 781 / 867 |
| Participants with account balances | 951 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen,llp |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $35,234 reported compensation |
| Strategic Advisors, Inc. | $24,997 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260714080329NAL0000849187001, received 2026-07-14, EIN 52-0741637, plan #002, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.