Vestis Uniforms and Workplace Supplies, Inc 401(k) Review & Grade
Vestis Retirement Savings Plan
Roswell, GAOther Services10,625 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$86Employer $ per active participant
$541Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$638.5MNet plan assets, end of year
$83,199Average balance per account
Score breakdown
- Employer generosity3.4 / 507th percentile for employer $ per participant
- Low cost22.3 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving1.2 / 158th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: all industries, plans with 10,000+ active participants (fewer than 30 industry peers) (820 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 89th |
| Employee saving | 8th |
| Peers that auto-enroll | 50% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Vestis Uniforms and Workplace Supplies put in about $86 per active participant, below the typical peer ($2,229). 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 | $909,787 |
| Participant (employee) contributions | $5,745,538 |
| Other contributions (incl. rollovers in) | $1,135,596 |
| Administrative expenses paid from the plan | $147,662 |
| Other admin expenses | $36,025 |
| Benefits paid out | $22,412,278 |
| Net assets, start / end of year | $656.7M / $638.5M |
| Active participants, start / end of year | 10,953 / 10,297 |
| Participants with account balances | 7,674 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Inst. Op. Co. | $100,637 reported compensation |
| Newport Group, Inc. | $36,025 reported compensation |
| Baker Tilly US, LLP | $11,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250715143257NAL0002213265001, received 2025-07-15, EIN 23-2816365, plan #006, plan year 2024-10-01 to 2024-12-31. Verify at efast.dol.gov.