Yes& Companies LLC 401(k) Review & Grade
Yes& Companies Employee Savings Plan
Las Vegas, NVReal Estate & Rental801 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$472Employer $ per active participant
$2,472Employee $ saved per active participant
0.81%Direct admin cost, % of plan assets
$17.1MNet plan assets, end of year
$19,643Average balance per account
Score breakdown
- Employer generosity9.8 / 5020th percentile for employer $ per participant
- Low cost2.4 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving5.1 / 1534th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 10th |
| Employee saving | 34th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $49,919 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Yes& Companies put in about $472 per active participant, below the typical peer ($1,279). 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 (0.81% 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.
- 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 | $378,243 |
| Participant (employee) contributions | $1,980,084 |
| Other contributions (incl. rollovers in) | $263,475 |
| Administrative expenses paid from the plan | $129,223 |
| Investment advisory & management fees | $38,021 |
| Benefits paid out | $1,939,629 |
| Net assets, start / end of year | $14.7M / $17.1M |
| Active participants, start / end of year | 813 / 789 |
| Participants with account balances | 868 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ellsworth & Stout, LLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $77,449 reported compensation |
| Onedigital Investment Advisors LLC | $38,021 reported compensation |
| Ellsworth & Stout LLC | $12,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916190650NAL0004815858001, received 2025-09-16, EIN 46-4085646, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.