Village Capital & Investment, LLC 401(k) Review & Grade
Village Capital 401(k) Plan
Henderson, NVFinance & Insurance565 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$633Employer $ per active participant
$1,727Employee $ saved per active participant
1.01%Direct admin cost, % of plan assets
$6.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.5 / 507th percentile for employer $ per participant
- Low cost1.6 / 256th percentile for low admin cost vs. same-size plans
- Employee saving0.4 / 153th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score9 / 100 · Grade F
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 6th |
| Employee saving | 3th |
| Peers that auto-enroll | 62% |
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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
- Village Capital & Investment put in about $633 per active participant, below the typical peer ($3,606). 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 (1.01% 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 | $357,888 |
| Participant (employee) contributions | $976,029 |
| Other contributions (incl. rollovers in) | $97,577 |
| Administrative expenses paid from the plan | $58,739 |
| Investment advisory & management fees | $55,355 |
| Benefits paid out | $351,758 |
| Net assets, start / end of year | $4.9M / $6.8M |
| Active participants, start / end of year | 456 / 674 |
| Participants with account balances | 213 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sadler, Gibb & Associates, LLC |
Largest service providers (Schedule C)
| Holm & Cawley Financial Group LLC | $55,355 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251118203839NAL0006965250001, received 2025-11-18, EIN 20-0192872, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.