Vigor Industrial LLC 401(k) Review & Grade
Vigor Industrial LLC Retirement Plan
Portland, ORManufacturing1,260 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,462Employer $ per active participant
$4,157Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$74.4MNet plan assets, end of year
$52,179Average balance per account
Score breakdown
- Employer generosity26.7 / 5053th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1539th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 59th |
| Employee saving | 39th |
| 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
- Vigor Industrial put in about $2,462 per active participant, more than the typical peer ($2,320). 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.
- 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 | $3,102,296 |
| Participant (employee) contributions | $5,238,081 |
| Other contributions (incl. rollovers in) | $8,501 |
| Administrative expenses paid from the plan | $119,733 |
| Other admin expenses | $27,065 |
| Benefits paid out | $8,544,229 |
| Net assets, start / end of year | $66.0M / $74.4M |
| Active participants, start / end of year | 1,320 / 1,200 |
| Participants with account balances | 1,426 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Deloitte & Touche LLP |
Largest service providers (Schedule C)
| Deloitte & Touche LLP | $52,707 reported compensation |
| T Rowe Price RPS Inc | $29,656 reported compensation |
| R. V. Kuhns & Associates Inc | $27,090 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929151403NAL0005105827001, received 2025-09-29, EIN 93-1300260, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.