Volkswagen Group of America, Inc. 401(k) Review & Grade
Volkswagen Group of America, Inc. Defined Contribution and Savings Plan
Reston, VAWholesale Trade8,909 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,506Employer $ per active participant
$8,033Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$1.6BNet plan assets, end of year
$151,700Average balance per account
Score breakdown
- Employer generosity47.5 / 5095th percentile for employer $ per participant
- Low cost12.0 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 48th |
| Employee saving | 88th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
What to do if you're in this plan
- Volkswagen Group of America put in about $7,506 per active participant, more than the typical peer ($2,459). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $66,872,812 |
| Participant (employee) contributions | $71,566,409 |
| Other contributions (incl. rollovers in) | $5,950,236 |
| Administrative expenses paid from the plan | $1,923,990 |
| Contract administrator fees | $1,818,170 |
| Other admin expenses | $105,820 |
| Benefits paid out | $104,075,284 |
| Net assets, start / end of year | $1.4B / $1.6B |
| Active participants, start / end of year | 9,077 / 8,741 |
| Participants with account balances | 10,556 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $1,923,990 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014165544NAL0001673875001, received 2025-10-14, EIN 22-1585834, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.