Visible Changes 401(k) match, vesting and fees
What Visible Changes' 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Schwab Retirement Plan Services,inc | Schedule C ↗ |
| Independent auditor | Condley and Company LLP LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 87 defined-contribution plans in other services with 500 to 999 participants.
| Visible Changes: employer contribution per participant | $1,325 | |
| Peer median | $1,829 |
| Visible Changes: average balance | $155,902 | |
| Peer median | $71,847 |
| Visible Changes: admin expenses ÷ assets | 0.03% | |
| Peer median | 0.25% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $78M at the end of plan year 2021 to $84.3M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 560 | $84.3M | $717K | $1,325 | 0.03% | Not published | Form 5500 ↗ |
| 2024 | 577 | $76.5M | $680K | $1,204 | 0.03% | Not published | Form 5500 ↗ |
| 2023 | 569 | $72.4M | $695K | $1,281 | 0.03% | Not published | Form 5500 ↗ |
| 2022 | 564 | $63.7M | $680K | $1,241 | 0.03% | Not published | Form 5500 ↗ |
| 2021 | 595 | $78M | $637K | $1,093 | 0.04% | Not published | Form 5500 ↗ |
Common questions
Does Visible Changes match 401(k) contributions?
The match terms for the Visible Changes 401(k) and Profit Sharing Plan have not been published from its filing yet. The plan year 2025 filing reports $717K in employer contributions, about $1,325 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Visible Changes 401(k) match vested?
The vesting schedule for the Visible Changes 401(k) and Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Visible Changes 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Schwab Retirement Plan Services,inc. The plan administrator is Visible Changes, Inc..
I left Visible Changes. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Visible Changes, Inc., (713) 984-8800) or the recordkeeper, Schwab Retirement Plan Services,inc. The Visible Changes old 401(k) page lists the contacts from every plan filing. Find an old Visible Changes 401(k)
Data from the public Form 5500 annual reports Visible Changes filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Visible Changes. Not financial advice. Report a correction · Methodology