Volm Companies, Incorporated 401(k) Review & Grade
Volm Companies 401k Plan
Antigo, WIWholesale Trade522 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,164Employer $ per active participant
$4,590Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$51.0MNet plan assets, end of year
$77,853Average balance per account
Score breakdown
- Employer generosity38.2 / 5076th percentile for employer $ per participant
- Low cost9.9 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 39th |
| Employee saving | 48th |
| Peers that auto-enroll | 53% |
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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
- Volm Companies, Incorporated put in about $3,164 per active participant, more than the typical peer ($1,792). 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 | $1,650,282 |
| Participant (employee) contributions | $2,393,738 |
| Other contributions (incl. rollovers in) | $156,858 |
| Administrative expenses paid from the plan | $146,365 |
| Investment advisory & management fees | $62,575 |
| Benefits paid out | $3,499,579 |
| Net assets, start / end of year | $43.6M / $51.0M |
| Active participants, start / end of year | 507 / 536 |
| Participants with account balances | 655 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli LLP |
| Employer stock held by plan | $100,000 |
Largest service providers (Schedule C)
| Oneamerica Retirement Services LLC | $83,790 reported compensation |
| Heck Capital Advisors | $62,575 reported compensation |
| Matrix Trust Company | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013135131NAL0000675011001, received 2025-10-13, EIN 39-0872639, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.