Plan Ledger DOL Form 5500 · updated monthly

Vitamin Cottage Natural Food Markets, Inc.401(k)

VITAMIN COTTAGE EMPLOYEE 401(K) PLAN · LAKEWOOD, CO · plan year 2024

Reported admin expense ratio · 2024
0.62%

Peer grade: D · admin costs + employer contributions vs same-size plans · how grading works

Vitamin Cottage Natural Food Markets, Inc. reported $352,375 in plan administrative expenses for 2024: 0.62% of average plan assets, higher than ~90% of peers. Employer contributions averaged $353 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio rose from 0.32% to 0.62%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other retail trade employers. By assets it is the 201st-largest of 1,461 plans among Colorado employers on file, and the 548th of 5,215 in retail trade. In 2024, employees put in $5.17 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$62,240,612
Participants with balances4,544
Active participants3,904
Employer contributions$1,378,909
Employee contributions$7,131,812
Employer contribution per active participant$353
Average account balance$13,697
Benefits paid to participants$5,390,580
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$62.2M · 4,544 accts · $1.4M emplr
2023$52.1M · 3,957 accts · $1.3M emplr
2022$41.2M · 3,959 accts · $1.1M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$273,621
Investment management$52,462
Audit (IQPA)$26,292
Total administrative$352,375
The Vitamin Cottage Natural Food Markets, Inc. 401(k) match · 2024
Employer contribution per active participant$353
Median for plans this size$3,635
2024$353 per active participant
2023$346 per active participant
2022$277 per active participant

Vitamin Cottage Natural Food Markets, Inc.'s 2024 employer contribution ran below the $3,635 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
INNOVEST PORTFOLIO SOLUTIONS LLC · Investment advisory (plan)$52,462
BDO USA, LLP · Accounting / audit$26,292

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$352,375 · 0.62%
2023$249,679 · 0.54%
2022$147,089 · 0.32%
Same employer
Similar plansRetail Trade · Colorado
Trans-West, Inc. CO$91.7M · 0.25%
Phil Long Dealerships, Inc. CO$64.7M · 0.42%
Furniture Row Bc, Inc. CO$49.0M · 0.30%
Western Stone & Metal Corp. CO$42.2M · 0.22%

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Source: U.S. Department of Labor, Form 5500 series, EIN 841444517 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.