Verde Holdings, Inc. 401(k) Review & Grade
Verde Holdings, Inc. 401(k) Plan
Stafford, TXWholesale Trade614 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,065Employer $ per active participant
$7,496Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$64.3MNet plan assets, end of year
$100,556Average balance per account
Score breakdown
- Employer generosity46.1 / 5092th percentile for employer $ per participant
- Low cost24.5 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1583th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 98th |
| Employee saving | 83th |
| Peers that auto-enroll | 53% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($8,741 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $643 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Verde Holdings put in about $6,065 per active participant, more than the typical peer ($1,792). 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 | $3,721,091 |
| Participant (employee) contributions | $4,598,544 |
| Other contributions (incl. rollovers in) | $2,434,289 |
| Administrative expenses paid from the plan | $5,903 |
| Contract administrator fees | $5,692 |
| Other admin expenses | $211 |
| Benefits paid out | $11,123,626 |
| Net assets, start / end of year | $56.8M / $64.3M |
| Active participants, start / end of year | 612 / 615 |
| Participants with account balances | 639 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $11,291 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260715144601NAL0004391026001, received 2026-07-15, EIN 76-0697864, plan #003, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.