Vehlo Purchaser, LLC 401(k) Review & Grade
Vehlo Purchaser, LLC 401(k) Plan
Knoxville, TNProfessional, Scientific & Technical Services501 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,212Employer $ per active participant
$4,908Employee $ saved per active participant
0.69%Direct admin cost, % of plan assets
$16.1MNet plan assets, end of year
$46,822Average balance per account
Score breakdown
- Employer generosity11.3 / 5023th percentile for employer $ per participant
- Low cost3.3 / 2513th percentile for low admin cost vs. same-size plans
- Employee saving3.7 / 1525th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score8 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 13th |
| Employee saving | 25th |
| 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 ($60,769 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
- Vehlo Purchaser put in about $1,212 per active participant, below the typical peer ($3,082). 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 (0.69% 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.
- 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 | $607,288 |
| Participant (employee) contributions | $2,459,044 |
| Other contributions (incl. rollovers in) | $916,908 |
| Administrative expenses paid from the plan | $93,309 |
| Contract administrator fees | $93,309 |
| Benefits paid out | $3,486,429 |
| Net assets, start / end of year | $10.9M / $16.1M |
| Active participants, start / end of year | 518 / 484 |
| Participants with account balances | 343 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lbmc, PC |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $49,666 reported compensation |
| Sageview Advisory Group, LLC | $23,389 reported compensation |
| Erisa Services, Inc | $5,372 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014115625NAL0003855328001, received 2025-10-14, EIN 84-1894196, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.