Vinebrook Homes, LLC 401(k) Review & Grade
Vinebrook Homes, LLC 401(k) Plan
Dayton, OHReal Estate & Rental540 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,258Employer $ per active participant
$4,310Employee $ saved per active participant
0.65%Direct admin cost, % of plan assets
$14.6MNet plan assets, end of year
$23,011Average balance per account
Score breakdown
- Employer generosity42.1 / 5084th percentile for employer $ per participant
- Low cost3.7 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 15th |
| Employee saving | 59th |
| Peers that auto-enroll | 47% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Vinebrook Homes put in about $3,258 per active participant, more than the typical peer ($1,279). 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 (0.65% of assets) are well above similar-size plans (0.23%). 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 | $1,761,217 |
| Participant (employee) contributions | $2,329,720 |
| Other contributions (incl. rollovers in) | $106,705 |
| Administrative expenses paid from the plan | $84,286 |
| Investment advisory & management fees | $12,405 |
| Benefits paid out | $2,432,816 |
| Net assets, start / end of year | $11.2M / $14.6M |
| Active participants, start / end of year | 549 / 532 |
| Participants with account balances | 633 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Payne & Smith, LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $71,881 reported compensation |
| Strategic Advisors, Inc. | $12,405 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008135618NAL0003059939001, received 2025-10-08, EIN 30-1133969, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.