Filings through Oct 24, 2026.

Vitality Living 401(k) Plan

Name: VSL EMPLOYEE CO. LLC - VITALITY LIVING 401(K) PLAN (2024) Form 5500
Creator: VSL EMPLOYEE CO. LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, VITALITY LIVING 401(K) PLAN, VSL EMPLOYEE CO. LLC

VSL Employee Co. LLCEIN 82-2304977Plan #001PY 2024Filed Jul 31, 2026

5500 MARYLAND WAY, SUITE 320 - BRENTWOOD, TN 37207317-677-5023

How to read this page

Prospect flags

4 of 17 flags tripped on the 2024 filing.

How flags work

Compliance
Failed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Schedule H, line 4a
Compliance
Corrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).
Schedule H, line 2g
Opportunity
Low participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Lines 6a and 6g
Opportunity
Low assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Schedule H, line 1l and line 6g

Total assets (EOY)

$2.4M

+91.9% from 2023

Total participants

1,566

+29.6% from 2023

Average account balance

$2,112

-69.3% from 2023

Annual return

18.22%

+18.22 pp from 2023

Benchmarks

This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.

Peer benchmarks

We rank each metric against plans of the same size, type and industry.

Schedule H, Parts I and II See about 1,443 peers

Industry: 62 - Health Care and Social Assistance
Plan type: Defined contribution
Participants: 1,000-4,999
Cohort: 1,443 peers
Snapshot: 2024

MetricThis planAmong peersPercentile

Annual return

Percentile

Average balance

Percentile

Participation rate

Percentile

Employer contribution per participant

Percentile

Employee contribution per participant

Percentile

Administrative expense per participant

Percentile

Middle 50% of peersPeer medianThis plan

Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.

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Percentile for each metric
Middle 50% of peers
Peer median
This plan's value next to its peers

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Plan history

Fewer than 3 years of filings on record. Charts show once 3 consecutive filings are on file.

2024 filing

Total assets (EOY): $2,392,857
Participants: 1,566
Contributions: $1,307,777
Annual return: 18.22%

Expense breakdown

$22K in admin expenses, $14 per participant (all participants, line 6f).

Schedule H, line 2i

Recordkeeping$8K (35%)
Other / not subdivided$8K (35%)
Contract admin$7K (30%)

Admin expense ratio

0.908%

Admin expenses as % of EOY assets; fund fees not included

Categories reported

2 / 9

subdivided buckets used

Investments

This section lists the funds on the plan's investment schedule and what changed since the prior filing.

Fund lineup

3 funds of $250K or more; 30 lines in all, holding $2.2M of the plan's $2.4M. Recordkeeper: John Hancock (Manulife).

2024 filing, Schedule H, line 4i

In collective trusts68%median 0% for plans under $5M (7,755 plans)

In index funds<1%median 19% for plans under $5M (7,755 plans)

In the main target-date series25%median 39% for plans under $5M (7,755 plans)

Employer stockNo

Target-date series: American Funds Target Date, mutual fund, 25% of fund dollars

Fund	Manager	Vehicle	Dollars	% of funds%
American Funds Target Date Capital Group · Mutual fund Target-date, 12 vintages	Capital Group	Mutual fund	$566K	25.2%
John Hancock LT Bl 2035 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$298K	13.3%
John Hancock LT Bl 2040 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$265K	11.8%
John Hancock LT Bl 2055 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$202K	9.0%
John Hancock LT Bl 2030 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$181K	8.0%
John Hancock LT Bl 2025 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$141K	6.3%
John Hancock LT Bl 2050 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$138K	6.1%
John Hancock LT Bl 2045 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$106K	4.7%
John Hancock LT Bl 2060 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$87K	3.9%
John Hancock LT Bl 2065 Trust R4 John Hancock (Manulife) · Collective trust Recordkeeper's own fund	John Hancock (Manulife)	Collective trust	$57K	2.5%

Fund	Manager	Vehicle	Dollars	% of funds
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro

20 more funds in this lineup: name, manager, vehicle, dollars and share are on Pro.

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Every fund in the lineup
Manager, vehicle and dollars per fund
Share of plan assets
Every change since the prior filing

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Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.

Providers

This section shows who is paid to serve the plan, who audits it and who signs the filing.

Service providers

Top 2 by compensation.

Schedule C

Provider	Service type	Compensation
WOODBURY FINANCIAL SERVICES2+ years Filed as: WOODBURY FINANCIAL SERVICES, INC. Service code 26 · EIN 41-0944586 Advisory (Participants)	Advisory (Participants)	$7,587
JOHN HANCOCK LIFE INSURANCE COMPANY2+ years Filed as: JOHN HANCOCK Service code 15 · EIN 45-3008106 Recordkeeping	Recordkeeping	$4,266

Audit opinion

Schedule H, Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor: LEE CPA AUDIT GROUP
Auditor EIN: 81-4637885
Audit fees: $7,587
Opinion code: Unqualified

Plan design

Plan features from the filing, actuarial disclosures and related pages.

Plan features

7 feature codes on the 2024 filing.

Line 8a

Plan feature codes2E2F2G2J2T3D3H

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.
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.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Look up a plan sponsor by EIN. The free Form 5500 search needs no account.

Fund

Dollars

% of funds%

American Funds Target Date

Capital Group · Mutual fund

Target-date, 12 vintages

$566K

25.2%

John Hancock LT Bl 2035 Trust R4