The Vertex Companies, LLC 401(k) Review & Grade
The Vertex Companies, LLC 401k Plan
Weymouth, MAProfessional, Scientific & Technical Services614 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,348Employer $ per active participant
$10,515Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$117.7MNet plan assets, end of year
$148,840Average balance per account
Score breakdown
- Employer generosity33.9 / 5068th percentile for employer $ per participant
- Low cost23.5 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1564th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 94th |
| Employee saving | 64th |
| Peers that auto-enroll | 48% |
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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
- Vertex Companies put in about $4,348 per active participant, more than the typical peer ($3,082). 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 | $2,667,237 |
| Participant (employee) contributions | $6,450,734 |
| Other contributions (incl. rollovers in) | $2,132,614 |
| Administrative expenses paid from the plan | $27,485 |
| Investment advisory & management fees | $15,010 |
| Benefits paid out | $10,038,765 |
| Net assets, start / end of year | $102.0M / $117.7M |
| Active participants, start / end of year | 639 / 588 |
| Participants with account balances | 791 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Minsk Gould Tattrie& Lussier LLP |
Largest service providers (Schedule C)
| Global Retirement Partners | $15,010 reported compensation |
| Adp, Inc. | $12,475 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015095510NAL0004234177001, received 2025-10-15, EIN 20-3724403, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.