Viking River Cruises, Inc. 401(k) Review & Grade
Viking River Cruises 401(k) Retirement Plan
Woodland Hills, CAAdministrative, Support & Staffing Services1,452 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,680Employer $ per active participant
$5,474Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$68.2MNet plan assets, end of year
$62,344Average balance per account
Score breakdown
- Employer generosity42.9 / 5086th percentile for employer $ per participant
- Low cost18.6 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving12.1 / 1581th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 75th |
| Employee saving | 81th |
| Peers that auto-enroll | 27% |
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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
- Viking River Cruises put in about $2,680 per active participant, more than the typical peer ($712). 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.
- 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 | $3,889,365 |
| Participant (employee) contributions | $7,946,016 |
| Other contributions (incl. rollovers in) | $2,397,441 |
| Administrative expenses paid from the plan | $57,550 |
| Investment advisory & management fees | $24,272 |
| Other admin expenses | $33,278 |
| Benefits paid out | $2,164,909 |
| Net assets, start / end of year | $49.3M / $68.2M |
| Active participants, start / end of year | 1,457 / 1,446 |
| Participants with account balances | 1,094 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Mercer Investments, LLC | $33,278 reported compensation |
| Empower Advisory Group, LLC | $24,272 reported compensation |
| Empower Annuity Insurance Company O | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930115512NAL0019364626001, received 2025-09-30, EIN 95-4788283, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.