Vacasa LLC 401(k) Review & Grade
Vacasa 401(k) Plan
Las Vegas, NVReal Estate & Rental5,047 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,417Employer $ per active participant
$1,931Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$116.1MNet plan assets, end of year
$38,253Average balance per account
Score breakdown
- Employer generosity30.6 / 5061th percentile for employer $ per participant
- Low cost7.5 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 30th |
| Employee saving | 31th |
| Peers that auto-enroll | 46% |
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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 ($1,793,262 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $2,791 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Vacasa put in about $1,417 per active participant, more than the typical peer ($1,141). 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.
- Direct plan expenses (0.23% of assets) are well above similar-size plans (0.12%). 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 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 | $7,149,949 |
| Participant (employee) contributions | $9,743,821 |
| Other contributions (incl. rollovers in) | $970,484 |
| Administrative expenses paid from the plan | $264,821 |
| Other admin expenses | $300 |
| Benefits paid out | $30,321,897 |
| Net assets, start / end of year | $114.3M / $116.1M |
| Active participants, start / end of year | 6,175 / 3,919 |
| Participants with account balances | 3,034 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $264,521 reported compensation |
| Qdro Consultants Company, LLC | $300 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014113219NAL0001309475001, received 2025-10-14, EIN 27-1401169, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.