Delicato Vineyards, LLC, a Delaware Limited Liability Company 401(k) Review & Grade
Delicato Vineyards Employee Retirement Plan
Manteca, CAManufacturing1,058 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,866Employer $ per active participant
$8,616Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$145.8MNet plan assets, end of year
$103,825Average balance per account
Score breakdown
- Employer generosity36.8 / 5074th percentile for employer $ per participant
- Low cost12.6 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue 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 | 74th |
| Lower admin cost | 50th |
| Employee saving | 84th |
| 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 ($525 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Delicato Vineyards, LLC, a Delaware Limited Liability put in about $3,866 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 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 | $4,088,505 |
| Participant (employee) contributions | $9,111,017 |
| Other contributions (incl. rollovers in) | $2,502,487 |
| Administrative expenses paid from the plan | $311,325 |
| Investment advisory & management fees | $166,954 |
| Benefits paid out | $16,096,716 |
| Net assets, start / end of year | $130.0M / $145.8M |
| Active participants, start / end of year | 1,070 / 1,045 |
| Participants with account balances | 1,404 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Atherton and Associates, LLP |
Largest service providers (Schedule C)
| Capfinancial Partners LLC DBA Captr | $152,403 reported compensation |
| Empower Annuity Insurance Company O | $144,371 reported compensation |
| Empower Advisory Group, LLC | $14,551 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009155609NAL0011312144001, received 2025-10-09, EIN 94-2212174, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.