Vytalogy Wellness LLC 401(k) Review & Grade
Vytalogy Wellness 401(k) Plan
Sherman Oaks, CAWholesale Trade660 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,923Employer $ per active participant
$5,504Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$35.2MNet plan assets, end of year
$39,252Average balance per account
Score breakdown
- Employer generosity36.5 / 5073th percentile for employer $ per participant
- Low cost15.1 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1562th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 61th |
| Employee saving | 62th |
| Peers that auto-enroll | 53% |
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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 ($16,790 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $261 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Vytalogy Wellness put in about $2,923 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,930,950 |
| Participant (employee) contributions | $3,635,067 |
| Other contributions (incl. rollovers in) | $324,799 |
| Administrative expenses paid from the plan | $53,598 |
| Contract administrator fees | $23,500 |
| Investment advisory & management fees | $3,029 |
| Other admin expenses | $27,069 |
| Benefits paid out | $4,962,233 |
| Net assets, start / end of year | $30.1M / $35.2M |
| Active participants, start / end of year | 704 / 617 |
| Participants with account balances | 897 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $52,268 reported compensation |
| Creative Planning Hold Co, LLC | $25,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014151024NAL0004348352001, received 2025-10-14, EIN 87-2880197, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.