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Retirement plan

THE VANGUARD RETIREMENT AND SAVINGS PLAN

THE VANGUARD GROUP, INC.EIN 23-1945930Plan #002PY 2019
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100 VANGUARD BOULEVARD - MALVERN, PA 19355610-669-1000vanguardoutpost.comLinkedIn1-10 employeesmarketing and advertising
Prospect flagsHigh assets / participantCorrective distributions

Filing contacts

From the Form 5500, federal record
Plan sponsor & administrator signer
LAUREN VALENTE
Signed 10/15/2020
(610) 669-1000
Plan administrator entity
VANGUARD BENEFITS COMMITTEE
EIN 232401257
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Summary metrics

Total assets (EOY)
$6993.5M
-11.0% from 2016
Total participants
21,738
-6.8% from 2016
Average account balance
$321,926
-4.5% from 2016
Annual return
23.33%
-9.33 pp from 2016

Benchmarks

See 80 peers
Peer group
Industry52 - Finance and Insurance
Plan typeDefined contribution
Participants>=10,000
Cohort80 peers
Snapshot2019
Participant deferral / active EE
$8,412
median $6,272
Employer contribution / active EE
$12,845
median $3,719
Participation rate
99.9%
median 95.8%
Avg account balance
$321,926
median $120,205
Admin fee / account holder
$12
median $59
Annual return
23.33%
median 22.69%
Overall peer rank
84th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$11.08B
Average account balance
Total assets / participants with a balance (line 6g)
$417K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
26,606
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
99.6%
Contributions (total)
Employer and participant dollars contributed each year
$525.08M
Contributions per participant
Average employer and participant contribution per enrolled participant
$30K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+13.71%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$0
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 1 by compensation
ProviderService typeCompensation
THE VANGUARD GROUP5+ years
Service code 15 · EIN 23-1945930
Recordkeeping
$254,376

Top hat statement on fileNQDC

Filed July 15, 2010

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3F3H
Plan features
  • 2E
    Profit-sharing
    Profit-sharing plan.
  • 2F
    ERISA section 404(c) plan
    This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
  • 2G
    Total participant-directed account plan
    Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
  • 2J
    Code section 401(k) feature
    Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
  • 2K
    Code section 401(m) arrangement
    Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
  • 2S
    Automatic enrollment
    Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
  • 2T
    Default investment account
    Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
  • 3F
    Leased employees
    Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped
  • ComplianceCorrective distributions

    Plan reported corrective distributions (failed ADP/ACP testing).

  • InformationalHigh assets / participant

    Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II
Admin total
$254K
$15 / participant
  • Other / not subdivided$254K100.0%
% of EOY assets
0.004%
all-in expense ratio
Categories reported
0 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
PRICEWATERHOUSECOOPERS
Auditor EIN
134008324
Audit fees
(not subdivided)
Opinion code
Unqualified