Victaulic 401(k) Review & Grade
Victaulic Bargaining Unit 401(k) Plan
Easton, PAManufacturing572 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,474Employer $ per active participant
$1,108Employee $ saved per active participant
0.40%Direct admin cost, % of plan assets
$15.3MNet plan assets, end of year
$22,962Average balance per account
Score breakdown
- Employer generosity15.1 / 5030th percentile for employer $ per participant
- Low cost7.5 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving0.6 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 30th |
| Employee saving | 4th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Victaulic put in about $1,474 per active participant, below the typical peer ($2,320). 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 (0.40% 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 | $843,219 |
| Participant (employee) contributions | $633,979 |
| Other contributions (incl. rollovers in) | $55,517 |
| Administrative expenses paid from the plan | $60,253 |
| Other admin expenses | $60,253 |
| Benefits paid out | $2,667,233 |
| Net assets, start / end of year | $14.5M / $15.3M |
| Active participants, start / end of year | 565 / 579 |
| Participants with account balances | 665 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $49,016 reported compensation |
| Vanguard Advisers Inc. | $11,238 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015122635NAL0002286531001, received 2025-10-15, EIN 22-1501729, plan #008, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.