Wineshipping.com, LLC 401(k) Review & Grade
Wineshipping.com, LLC 401(k) Plan
Napa, CAOther Services511 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,055Employer $ per active participant
$2,403Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$11.4MNet plan assets, end of year
$35,141Average balance per account
Score breakdown
- Employer generosity21.8 / 5044th percentile for employer $ per participant
- Low cost20.7 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1546th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 83th |
| Employee saving | 46th |
| Peers that auto-enroll | 40% |
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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
- Wineshipping.com put in about $1,055 per active participant, below the typical peer ($1,257). 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 | $539,124 |
| Participant (employee) contributions | $1,227,832 |
| Other contributions (incl. rollovers in) | $151,026 |
| Administrative expenses paid from the plan | $6,925 |
| Benefits paid out | $1,388,361 |
| Net assets, start / end of year | $9.5M / $11.4M |
| Active participants, start / end of year | 515 / 507 |
| Participants with account balances | 324 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante Moran, PLLC |
Largest service providers (Schedule C)
| Mma Securities LLC | $34,173 reported compensation |
| Qualified Services Inc. DBA | $5,027 reported compensation |
| Voya Retirement Insurance | $1 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008154954NAL0009725696001, received 2025-10-08, EIN 68-0442177, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.