Department of Labor filing

VITAMIN COTTAGE NATURAL FOOD MARKETS, INC.

VITAMIN COTTAGE EMPLOYEE 401(K) PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Aug 7, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

32filing comparison
out of 100

The filing trails many comparable plans on reported employer support and/or plan-paid administrative costs. This is a filing comparison, not a complete benefits score.

$Employer support

$353

Reported employer contributions per active participant.

Higher than about 38% of comparable plans

#People in the filing

3,904

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$64 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 18% of comparable plans

↗Investment performance

Not available

Plan assets changed 19.5%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202432out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions38th percentileTypical peer $473 · based on 87 comparable plans

Lower reported administrative expense18th percentileTypical peer $27 · based on 90 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, VITAMIN COTTAGE NATURAL FOOD MARKETS, INC. reported $1,378,909 in employer contributions across the plan and 3,904 active participants. That works out to $353 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy79%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 27.4%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendUp 104.7%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context32/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $1,378,909
Participant contributions: $7,131,812
Other contributions: $294,071
Employer share of reported contributions: 16.2%
Beginning assets: $52,083,499
Ending assets: $62,240,612
Ending net assets: $62,240,612
Ending liabilities: $0
Total income: $15,936,810
Total expenses: $5,779,697
Administrative expenses: $352,375
Participant loans: $575,192

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$277

2023

$346

2024

$353

Plan-paid administrative expenses per participant

2022

$31

2023

$54

2024

$64

Active participants

2022

3,934

2023

3,728

2024

3,904

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$353	3,904	62.2M	20250807120137NAL0003684819001
2023	$346	3,728	52.1M	20240919191102NAL0006661217001
2022	$277	3,934	41.2M	20231011184610NAL0019689331001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 0.9%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 841444517-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 2000
Industry: Retail trade
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2S2T3D

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
FIDELITY INVESTMENTS INSTITUTUONAL	2022	Not reported	unknown

Current plan terms

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Filing ACK_ID20250807120137NAL0003684819001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗