Vinci Construction USA 401(k) Review & Grade
Vinci Construction USA 401(k) and Profit Sharing Plan
Winter Park, FLConstruction2,746 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,635Employer $ per active participant
$4,631Employee $ saved per active participant
0.60%Direct admin cost, % of plan assets
$125.7MNet plan assets, end of year
$40,231Average balance per account
Score breakdown
- Employer generosity22.0 / 5044th percentile for employer $ per participant
- Low cost2.4 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 10th |
| Employee saving | 49th |
| Peers that auto-enroll | 57% |
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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
- Vinci Construction USA put in about $1,635 per active participant, below the typical peer ($1,965). 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.
- Direct plan expenses (0.60% 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $4,487,756 |
| Participant (employee) contributions | $12,715,751 |
| Other contributions (incl. rollovers in) | $1,224,562 |
| Administrative expenses paid from the plan | $702,558 |
| Investment advisory & management fees | $170,368 |
| Other admin expenses | $173,921 |
| Benefits paid out | $13,130,685 |
| Net assets, start / end of year | $107.5M / $125.7M |
| Active participants, start / end of year | 2,701 / 2,790 |
| Participants with account balances | 3,125 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Clifton Larson Allen |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $351,303 reported compensation |
| Sageview Advisory Group LLC | $170,368 reported compensation |
| Cliftonlarsonallen LLP | $6,966 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260415201419NAL0012004019001, received 2026-04-15, EIN 74-1919546, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.