Employers › Natural Grocers by Vitamin Cottage
Recordkeeping fees per participant · Vitamin Cottage Employee 401(k) Plan · plan year 2024
$60.22
Higher than 42% of the 5,847 plans $50 to 250M that report it.
= $273,621 / 4,544
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250807120137NAL0003684819001, received 2025-08-07
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250807120137NAL0003684819001, received 2025-08-07
Percentiles compare this plan with the Schedule H plans $50 to 250M in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-08-07.
Administrative expenses excluding investment management, per participant
$66.00
Higher than 33% of the 8,758 plans $50 to 250M that report it.
= $299,913 / 4,544
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250807120137NAL0003684819001, received 2025-08-07
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250807120137NAL0003684819001, received 2025-08-07
Administrative expenses per participant
$77.55
Higher than 26% of the 9,042 plans $50 to 250M that report it.
= $352,375 / 4,544
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250807120137NAL0003684819001, received 2025-08-07
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250807120137NAL0003684819001, received 2025-08-07
Administrative expenses as a share of assets
0.566%
Higher than 98% of the 9,049 plans $50 to 250M that report it.
= $352,375 / $62,240,612
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250807120137NAL0003684819001, received 2025-08-07
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250807120137NAL0003684819001, received 2025-08-07
Employer contributions per participant
$303
Higher than 2% of the 9,105 plans $50 to 250M that report it.
= $1,378,909 / 4,544
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250807120137NAL0003684819001, received 2025-08-07
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250807120137NAL0003684819001, received 2025-08-07
Employer share of total contributions
15.7%
Higher than 10% of the 9,112 plans $50 to 250M that report it.
= $1,378,909 / $8,804,792
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250807120137NAL0003684819001, received 2025-08-07
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250807120137NAL0003684819001, received 2025-08-07
Employer match
“The Company, on a discretionary basis, may match up to 25% of participant contributions up to a maximum annual employer match of $2,500.”
Form 10-K filed 2025-12-11, for the year ended 2025-09-30 · benefits note, 10-K benefits note · source document
Terms quoted from the filing for the year ended 2025-09-30. Figures cover plan year 2024. The plan document governs.
2E profit-sharing · 2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2S pre-approved plan document · 2T default investment (QDIA) · 3D IRS pre-approved plan · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20250807120137NAL0003684819001, received 2025-08-07
| Field | Value | Source |
|---|---|---|
| Plan sponsor | VITAMIN COTTAGE NATURAL FOOD MARKETS, INC. | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Plan name | VITAMIN COTTAGE EMPLOYEE 401(K) PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Sponsor EIN / plan number | 84-1444517 / 001 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Sponsor location | LAKEWOOD, CO | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Industry (business code) | 445110, Retail trade | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Filing received | 2025-08-07 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Participants, beginning of year | 5,530 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Active participants | 3,904 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Participants, end of year | 4,972 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Participants with an account balance | 4,544 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Total assets, beginning of year | $52,083,499 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Total assets, end of year | $62,240,612 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Net assets, end of year | $62,240,612 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Total income | $15,936,810 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Net income | $10,157,113 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Employer contributions | $1,378,909 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Participant contributions | $7,131,812 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Other contributions (incl. rollovers) | $294,071 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Total contributions | $8,804,792 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Benefit payments | $5,390,580 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Total expenses (incl. benefit payments) | $5,779,697 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Total administrative expenses | $352,375 | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Contract administrator fees | $0 | Schedule H, line 2i(2); CONTRACT_ADMIN_FEES_AMT pos 106; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Recordkeeping fees | $273,621 | Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| IQPA audit fees | $26,292 | Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Investment advisory and management fees | $52,462 | Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Administrative expenses excluding investment management | $299,913 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Held in master trusts | $0 | Schedule H, line 1c(11) col (b); INT_MASTER_TR_EOY_AMT pos 53; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Held in common/collective trusts | $4,301,199 | Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Held in mutual funds | $55,984,650 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20250807120137NAL0003684819001, received 2025-08-07 |
| Independent auditor | BDO USA, P.C. | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20250807120137NAL0003684819001, received 2025-08-07 |
Position = column in the DOL layout for form year 2024. Filing 20250807120137NAL0003684819001, received 2025-08-07.
| Provider | Relationship | Service codes | Direct compensation | Indirect |
|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY Orecordkeeper | RECORDKEEPER | 64 Recordkeeping fees | $273,621 | yes |
| INNOVEST PORTFOLIO SOLUTIONS LLC | INVESTMENT ADVISOR | 27 Investment advisory (plan) | $52,462 | no |
| BDO USA, LLP | AUDITOR | 10 Accounting (including auditing) | $26,292 | no |
Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20250807120137NAL0003684819001, received 2025-08-07.
| Figure | 2023 | 2024 | Change |
|---|---|---|---|
| Total assets | $52,083,499 | $62,240,612 | 19.5% |
| Participants with a balance | 3,957 | 4,544 | 14.8% |
| Administrative expenses | $249,679 | $352,375 | 41.1% |
| Recordkeeping fees per participant | $40.16 | $60.22 | 49.9% |
| Employer contributions | $1,291,456 | $1,378,909 | 6.8% |
Prior filing 20240919191102NAL0006661217001, received 2024-09-19; the plan years are contiguous.
Sponsor name as filed: VITAMIN COTTAGE NATURAL FOOD MARKETS, INC.; SEC registrant: Natural Grocers by Vitamin Cottage, Inc. (CIK 1547459, matched by EIN; display name from the Form 10-K cover).