Valuemomentum, Inc. 401(k) Review & Grade
Valuemomentum 401(k) Plan
Piscataway, NJProfessional, Scientific & Technical Services532 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,738Employer $ per active participant
$7,828Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$42.6MNet plan assets, end of year
$59,539Average balance per account
Score breakdown
- Employer generosity30.3 / 5061th percentile for employer $ per participant
- Low cost12.4 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving6.1 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 49th |
| Employee saving | 41th |
| Peers that auto-enroll | 48% |
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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 ($1,302,349 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
- Valuemomentum put in about $3,738 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.
- 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 | $1,986,819 |
| Participant (employee) contributions | $4,160,657 |
| Other contributions (incl. rollovers in) | $8,281 |
| Administrative expenses paid from the plan | $93,407 |
| Other admin expenses | $93,407 |
| Benefits paid out | $2,242,013 |
| Net assets, start / end of year | $37.2M / $42.6M |
| Active participants, start / end of year | 437 / 626 |
| Participants with account balances | 715 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wilkinguttenplan, P.C. |
Largest service providers (Schedule C)
| Nationwide | $70,512 reported compensation |
| Beon Retirement | $39,016 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260115144510NAL0016511697001, received 2026-01-15, EIN 11-3414179, plan #001, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.