Vie De France Yamazaki Inc 401(k) Review & Grade
Vie De France Yamazaki Inc 401(k) Profit Sharing Plan & Trust
Rochester, NYManufacturing738 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$459Employer $ per active participant
$2,113Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$23.2MNet plan assets, end of year
$37,990Average balance per account
Score breakdown
- Employer generosity3.1 / 506th percentile for employer $ per participant
- Low cost7.8 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving2.0 / 1513th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score16 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 6th |
| Lower admin cost | 31th |
| Employee saving | 13th |
| Peers that auto-enroll | 59% |
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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
- Vie De France Yamazaki put in about $459 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.
- Direct plan expenses (0.39% 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.
- 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 | $338,622 |
| Participant (employee) contributions | $1,559,303 |
| Other contributions (incl. rollovers in) | $6,778 |
| Administrative expenses paid from the plan | $85,704 |
| Contract administrator fees | $42,526 |
| Investment advisory & management fees | $42,318 |
| Benefits paid out | $1,423,070 |
| Net assets, start / end of year | $20.6M / $23.2M |
| Active participants, start / end of year | 726 / 750 |
| Participants with account balances | 612 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bonadio & Co LLP |
Largest service providers (Schedule C)
| Ubs Financial Services, Inc.rpcs | $42,318 reported compensation |
| Paychex, Inc. | $26,156 reported compensation |
| Erisa Fiduciary Services, Inc. | $16,630 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010072239NAL0017313394001, received 2025-10-10, EIN 54-1584122, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.