Village Management Services, Inc. 401(k) Review & Grade
Village Management Services, Inc. 401(k) Plan
Laguna Woods, CAOther Services806 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$779Employer $ per active participant
$2,044Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$27.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity18.5 / 5037th percentile for employer $ per participant
- Low cost16.7 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving6.1 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 67th |
| Employee saving | 41th |
| Peers that auto-enroll | 40% |
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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 Management Services put in about $779 per active participant, below the typical peer ($1,257). 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 | $628,165 |
| Participant (employee) contributions | $1,648,088 |
| Other contributions (incl. rollovers in) | $169,953 |
| Administrative expenses paid from the plan | $33,568 |
| Investment advisory & management fees | $20,697 |
| Benefits paid out | $1,512,335 |
| Net assets, start / end of year | $23.5M / $27.2M |
| Active participants, start / end of year | 818 / 795 |
| Participants with account balances | 390 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Farber Hass Hurley LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $32,796 reported compensation |
| Global Retirement Partners LLC | $12,871 reported compensation |
| Cbiz Benefits & Ins Services Inc | $9,514 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015131032NAL0004634481001, received 2025-10-15, EIN 61-1772773, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.