Vacation Rental Pros Property Management LLC 401(k) Review & Grade
Vacation Rental Pros Property Management LLC
Ponte Vedra Beach, FLReal Estate & Rental528 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,242Employer $ per active participant
$1,141Employee $ saved per active participant
1.43%Direct admin cost, % of plan assets
$4.8MNet plan assets, end of year
$8,038Average balance per account
Score breakdown
- Employer generosity24.5 / 5049th percentile for employer $ per participant
- Low cost0.7 / 253th percentile for low admin cost vs. same-size plans
- Employee saving1.8 / 1512th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 3th |
| Employee saving | 12th |
| Peers that auto-enroll | 47% |
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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
- Vacation Rental Pros Property Management put in about $1,242 per active participant, below the typical peer ($1,279). 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 (1.43% 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.
- 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 | $655,556 |
| Participant (employee) contributions | $602,598 |
| Other contributions (incl. rollovers in) | $75,348 |
| Administrative expenses paid from the plan | $62,884 |
| Contract administrator fees | $26,114 |
| Investment advisory & management fees | $14,144 |
| Benefits paid out | $876,870 |
| Net assets, start / end of year | $4.0M / $4.8M |
| Active participants, start / end of year | 594 / 462 |
| Participants with account balances | 600 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pivot |
Largest service providers (Schedule C)
| The Actuarial Consulting Group | $26,114 reported compensation |
| Empower Annuity Insurance Company | $21,335 reported compensation |
| NFP Retirement, Inc | $14,144 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250714153600NAL0000988851001, received 2025-07-14, EIN 20-5070889, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.