Wellhaven Pet Health, LLC 401(k) Review & Grade
Wellhaven Pet Health 401(k) Plan
Vancouver, WAProfessional, Scientific & Technical Services570 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$488Employer $ per active participant
$2,990Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$6.3MNet plan assets, end of year
$14,984Average balance per account
Score breakdown
- Employer generosity6.7 / 5013th percentile for employer $ per participant
- Low cost19.2 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 13th |
| Lower admin cost | 77th |
| Employee saving | 15th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $173,044 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Wellhaven Pet Health put in about $488 per active participant, below the typical peer ($3,082). 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 | $278,483 |
| Participant (employee) contributions | $1,705,986 |
| Other contributions (incl. rollovers in) | $644,652 |
| Administrative expenses paid from the plan | $4,675 |
| Contract administrator fees | $4,675 |
| Benefits paid out | $1,060,750 |
| Net assets, start / end of year | $4.3M / $6.3M |
| Active participants, start / end of year | 554 / 587 |
| Participants with account balances | 420 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Geffen Mesher & Company P.C. |
Largest service providers (Schedule C)
| Kestra Advisory Services LLC | $26,806 reported compensation |
| The Benefit Practice | $5,345 reported compensation |
| Voya Retirement Insurance & Annuity | $1,975 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250910090017NAL0035257424001, received 2025-09-10, EIN 82-2088644, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.