Verdantas LLC 401(k) Review & Grade
Verdantas LLC Retirement Plan
Dublin, OHProfessional, Scientific & Technical Services1,311 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,520Employer $ per active participant
$8,174Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$202.0MNet plan assets, end of year
$125,019Average balance per account
Score breakdown
- Employer generosity20.9 / 5042th percentile for employer $ per participant
- Low cost14.6 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 59th |
| Employee saving | 43th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $15,232 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Verdantas put in about $2,520 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.
- 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 | $3,303,533 |
| Participant (employee) contributions | $10,716,350 |
| Other contributions (incl. rollovers in) | $26,955,122 |
| Administrative expenses paid from the plan | $265,879 |
| Investment advisory & management fees | $122,576 |
| Benefits paid out | $25,379,118 |
| Net assets, start / end of year | $99.9M / $202.0M |
| Active participants, start / end of year | 1,130 / 1,492 |
| Participants with account balances | 1,616 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cherry Bekaert, LLC |
Largest service providers (Schedule C)
| Adp, Inc. | $143,303 reported compensation |
| Creative Planning Holdco, LLC | $122,576 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015141650NAL0002433203001, received 2025-10-15, EIN 34-1549829, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.