U.S. Venture, Inc. 401(k) Review & Grade
U.S. Venture 401(k) Retirement Savings Plan
Appleton, WIWholesale Trade4,776 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,518Employer $ per active participant
$6,441Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$398.9MNet plan assets, end of year
$68,623Average balance per account
Score breakdown
- Employer generosity39.7 / 5079th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving10.7 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 43th |
| Employee saving | 72th |
| Peers that auto-enroll | 62% |
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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
- U.S. Venture put in about $4,518 per active participant, more than the typical peer ($2,459). 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 | $21,576,954 |
| Participant (employee) contributions | $30,760,153 |
| Other contributions (incl. rollovers in) | $3,523,980 |
| Administrative expenses paid from the plan | $562,639 |
| Investment advisory & management fees | $133,739 |
| Other admin expenses | $1,672 |
| Benefits paid out | $48,033,308 |
| Net assets, start / end of year | $348.2M / $398.9M |
| Active participants, start / end of year | 4,641 / 4,910 |
| Participants with account balances | 5,813 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallenllp |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $351,050 reported compensation |
| Francis LLC | $76,840 reported compensation |
| Clifton Larson Allen LLP | $76,178 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919120510NAL0002676288001, received 2025-09-19, EIN 39-0964014, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.