Vuori, Inc. 401(k) Review & Grade
Vuori 401(k) Plan
Carlsbad, CARetail Trade1,494 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$575Employer $ per active participant
$2,024Employee $ saved per active participant
0.49%Direct admin cost, % of plan assets
$10.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity20.6 / 5041th percentile for employer $ per participant
- Low cost5.9 / 2524th percentile for low admin cost vs. same-size plans
- Employee saving5.1 / 1534th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 24th |
| Employee saving | 34th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $34,105 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Vuori put in about $575 per active participant, below the typical peer ($743). 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 (0.49% 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 | $859,650 |
| Participant (employee) contributions | $3,024,752 |
| Other contributions (incl. rollovers in) | $1,395,657 |
| Administrative expenses paid from the plan | $40,240 |
| Other admin expenses | $40,240 |
| Benefits paid out | $921,345 |
| Net assets, start / end of year | $5.5M / $10.8M |
| Active participants, start / end of year | 1,225 / 1,764 |
| Participants with account balances | 484 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pension Assurance, LLP |
Largest service providers (Schedule C)
| Onedigital Investment Advisors | $28,718 reported compensation |
| Premier Plan Consultants | $8,322 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014142337NAL0006407810001, received 2025-10-14, EIN 46-3958662, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.