Village Green Holding, LLC 401(k) Review & Grade
Village Green Holding, LLC Retirement Savings Program
Southfield, MIReal Estate & Rental1,125 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,244Employer $ per active participant
$3,992Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$47.6MNet plan assets, end of year
$30,592Average balance per account
Score breakdown
- Employer generosity24.7 / 5049th percentile for employer $ per participant
- Low cost22.2 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1554th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 89th |
| Employee saving | 54th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $82,782 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Village Green Holding put in about $1,244 per active participant, below the typical peer ($1,279). 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 | $1,399,265 |
| Participant (employee) contributions | $4,491,075 |
| Other contributions (incl. rollovers in) | $224,095 |
| Administrative expenses paid from the plan | $19,410 |
| Investment advisory & management fees | $6,991 |
| Benefits paid out | $3,103,048 |
| Net assets, start / end of year | $39.1M / $47.6M |
| Active participants, start / end of year | 894 / 1,356 |
| Participants with account balances | 1,556 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $12,419 reported compensation |
| Strategic Advisors, Inc. | $6,991 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010135404NAL0013241792001, received 2025-10-10, EIN 45-3536429, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.