Villara Corporation 401(k) Review & Grade

Villara Corporation 401(k) Plan

Mcclellan, CAConstruction874 active participantsPlan year 2024✓ Auto-enroll

Estimate from the plan's Form 5500 filing · How we grade

$630Employer $ per active participant

$3,115Employee $ saved per active participant

0.80%Direct admin cost, % of plan assets

$31.8MNet plan assets, end of year

$31,929Average balance per account

Score breakdown

Employer generosity10.3 / 50
21th percentile for employer $ per participant
Low cost2.5 / 25
10th percentile for low admin cost vs. same-size plans
Employee saving5.7 / 15
38th percentile for employee $ per participant
Plan features10 / 10
Auto-enrollment, Default investment

Total score29 / 100 · Grade F

This plan vs. peers

Peers: Construction plans with 500–2,499 active participants (498 plans).

Measure	Percentile
Employer $ per participant	21th
Lower admin cost	10th
Employee saving	38th
Peers that auto-enroll	44%

Get the monthly 401(k) report card

The best and worst plans, new grades as filings post. One email a month, no spam.

Or subscribe here →

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

Villara put in about $630 per active participant, below the typical peer ($1,672). 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 (0.80% 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	$551,045
Participant (employee) contributions	$2,722,697
Other contributions (incl. rollovers in)	$135,459
Administrative expenses paid from the plan	$244,984
Investment advisory & management fees	$120,858
Other admin expenses	$26,232
Benefits paid out	$2,873,698
Net assets, start / end of year	$29.8M / $31.8M
Active participants, start / end of year	899 / 849
Participants with account balances	995
Auto-enrollment (feature code 2S)	Yes
Auditor	Miller Kaplan

Largest service providers (Schedule C)

Empower Annuity Insurance Company	$84,394 reported compensation
Capital Planning Advisors LLC	$73,320 reported compensation
Empower Advisory Group, LLC	$47,538 reported compensation

Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260107165122NAL0010673906001, received 2026-01-07, EIN 94-1343912, plan #001, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.