Vibrantz Corporation 401(k) Review & Grade
Vibrantz 401(k) Plan
Houston, TXManufacturing925 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,437Employer $ per active participant
$6,889Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$253.2MNet plan assets, end of year
$169,120Average balance per account
Score breakdown
- Employer generosity39.5 / 5079th percentile for employer $ per participant
- Low cost21.2 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 85th |
| Employee saving | 72th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($9,279,422 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $2,718 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Vibrantz put in about $4,437 per active participant, more than the typical peer ($2,320). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,104,503 |
| Participant (employee) contributions | $6,372,776 |
| Other contributions (incl. rollovers in) | $1,722,400 |
| Administrative expenses paid from the plan | $142,393 |
| Investment advisory & management fees | $25,572 |
| Benefits paid out | $31,522,455 |
| Net assets, start / end of year | $237.3M / $253.2M |
| Active participants, start / end of year | 923 / 927 |
| Participants with account balances | 1,497 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Weyrich, Cronin & Sorra |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $116,821 reported compensation |
| Empower Advisory Group, LLC | $15,867 reported compensation |
| Taft Stettinius & Hollister LLP | $9,705 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015143846NAL0005155745001, received 2025-10-15, EIN 34-0217820, plan #031, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.