Young Living Holdings, LLC 401(k) Review & Grade
Young Living Holdings, LLC
Lehi, UTAdministrative, Support & Staffing Services873 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,544Employer $ per active participant
$6,120Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$83.3MNet plan assets, end of year
$49,686Average balance per account
Score breakdown
- Employer generosity42.4 / 5085th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving12.8 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score75 / 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 | 85th |
| Lower admin cost | 51th |
| Employee saving | 85th |
| Peers that auto-enroll | 27% |
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
Corrective distributions: the plan refunded $163 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Young Living Holdings put in about $2,544 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.
- 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 | $2,220,547 |
| Participant (employee) contributions | $5,342,882 |
| Other contributions (incl. rollovers in) | $830,250 |
| Administrative expenses paid from the plan | $175,612 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $59,967 |
| Other admin expenses | $16 |
| Benefits paid out | $10,729,411 |
| Net assets, start / end of year | $75.6M / $83.3M |
| Active participants, start / end of year | 926 / 820 |
| Participants with account balances | 1,676 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Squire & Company |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $116,029 reported compensation |
| Onedigital Investment Advisors LLC | $59,967 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015213405NAL0002908163001, received 2025-10-15, EIN 86-2546118, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.