Yeti Holdings, Inc. 401(k) Review & Grade
Yeti Coolers, LLC Retirement Plan
Austin, TXWholesale Trade1,064 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,272Employer $ per active participant
$7,429Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$58.4MNet plan assets, end of year
$43,135Average balance per account
Score breakdown
- Employer generosity30.5 / 5061th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 44th |
| Employee saving | 82th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $289,829 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Yeti Holdings put in about $2,272 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.
- 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 | $2,416,609 |
| Participant (employee) contributions | $7,900,288 |
| Other contributions (incl. rollovers in) | $2,187,480 |
| Administrative expenses paid from the plan | $138,353 |
| Investment advisory & management fees | $35,879 |
| Benefits paid out | $3,916,669 |
| Net assets, start / end of year | $43.2M / $58.4M |
| Active participants, start / end of year | 995 / 1,132 |
| Participants with account balances | 1,353 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $80,474 reported compensation |
| Baker Tilly US, LLP | $22,000 reported compensation |
| Strategic Advisors, Inc. | $20,879 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015161547NAL0006730928001, received 2025-10-15, EIN 45-5297111, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.