Vcna Prairie LLC 401(k) Review & Grade
Vcna Prairie, Inc. Savings Plan for Union Employees
Bridgeview, ILManufacturing640 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$486Employer $ per active participant
$1,367Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$11.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.3 / 507th percentile for employer $ per participant
- Low cost11.2 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 45th |
| Employee saving | 6th |
| 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
- Vcna Prairie put in about $486 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.
- 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.
- 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 | $311,572 |
| Participant (employee) contributions | $875,796 |
| Other contributions (incl. rollovers in) | $40,737 |
| Administrative expenses paid from the plan | $29,406 |
| Investment advisory & management fees | $19,380 |
| Benefits paid out | $1,776,841 |
| Net assets, start / end of year | $10.6M / $11.4M |
| Active participants, start / end of year | 588 / 693 |
| Participants with account balances | 248 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Capfinancial Partners, LLC | $19,380 reported compensation |
| Transamerica Retirement Solutions | $10,026 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009155101NAL0007242033002, received 2025-10-09, EIN 26-1320351, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.