Plan Snapshot
- Plan Sponsor: Vitamin Cottage Natural Food Markets, INC.
- Sponsor EIN: 841444517
- Sponsor Address: 12612 W ALAMEDA PARKWAY, LAKEWOOD, CO, 80228
- Plan Type: 401(k)
- Total Participants: 3,904
- Total Assets: $62.2M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 3,904 | $62.2M | $1.4M | $7.1M |
| 2023 | 3,728 | $52.1M | $1.3M | $6.6M |
| 2022 | 3,934 | $41.2M | $1.1M | $6.6M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | RECORDKEEPER | $273,621 | — | $273,621 |
| INNOVEST PORTFOLIO SOLUTIONS LLC | INVESTMENT ADVISOR | $52,462 | — | $52,462 |
| BDO USA, LLP | AUDITOR | $26,292 | — | $26,292 |
| BDO USA, P.C. | Auditor | $26,292 | — | $26,292 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- BDO USA, P.C. — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $378,667
- Estimated Expense Ratio: 0.608% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $352,375 | $52,462 | — | $26,292 | — |
| 2023 | $249,679 | $62,750 | — | $28,000 | — |
| 2022 | $147,089 | $54,449 | $16,797 | — | $75,843 |