Vantiva USA Shared Services, Inc. 401(k) Review & Grade
Vantiva 401(k) Plan
Norcross, GAManufacturing2,032 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,239Employer $ per active participant
$5,074Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$441.2MNet plan assets, end of year
$132,918Average balance per account
Score breakdown
- Employer generosity24.3 / 5049th percentile for employer $ per participant
- Low cost17.7 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving7.9 / 1552th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 71th |
| Employee saving | 52th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,067 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Vantiva USA Shared Services put in about $2,239 per active participant, below the typical peer ($2,320). 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.
- 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 | $4,548,539 |
| Participant (employee) contributions | $10,307,678 |
| Other contributions (incl. rollovers in) | $6,716,959 |
| Administrative expenses paid from the plan | $515,052 |
| Contract administrator fees | $1,800 |
| Investment advisory & management fees | $133,865 |
| Other admin expenses | $254,888 |
| Benefits paid out | $52,764,494 |
| Net assets, start / end of year | $459.3M / $441.2M |
| Active participants, start / end of year | 1,919 / 2,144 |
| Participants with account balances | 3,319 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $133,865 reported compensation |
| Morgan Stanley | $107,737 reported compensation |
| Fidelity Investments Instit Ops Co | $105,445 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251218190542NAL0012309634001, received 2025-12-18, EIN 35-1724835, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.