Venterra Realty Inc. 401(k) Review & Grade
Venterra Realty Inc. 401(k) Plan
Real Estate & Rental710 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$563Employer $ per active participant
$1,828Employee $ saved per active participant
0.53%Direct admin cost, % of plan assets
$12.6MNet plan assets, end of year
$24,487Average balance per account
Score breakdown
- Employer generosity12.2 / 5024th percentile for employer $ per participant
- Low cost5.2 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving3.4 / 1522th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score21 / 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 | 24th |
| Lower admin cost | 21th |
| Employee saving | 22th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $45,008 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Venterra Realty put in about $563 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 (0.53% 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 | $399,734 |
| Participant (employee) contributions | $1,299,133 |
| Other contributions (incl. rollovers in) | $287,636 |
| Administrative expenses paid from the plan | $59,488 |
| Investment advisory & management fees | $23,343 |
| Benefits paid out | $646,115 |
| Net assets, start / end of year | $9.7M / $12.6M |
| Active participants, start / end of year | 682 / 739 |
| Participants with account balances | 514 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Jeffrey L. Offhaus CPA, LLC |
Largest service providers (Schedule C)
| Transamerica Financial Life Ins Co | $36,145 reported compensation |
| Merrill Lynch Life Agency, Inc. | $23,343 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250725115305NAL0003153555001, received 2025-07-25, EIN 52-2351470, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.