Valluzzo Companies, LLC 401(k) Review & Grade
Valluzzo Companies, LLC 401(k) Retirement Plan
Baton Rouge, LAAccommodation & Food Services1,056 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$761Employer $ per active participant
$990Employee $ saved per active participant
0.77%Direct admin cost, % of plan assets
$23.3MNet plan assets, end of year
$31,961Average balance per account
Score breakdown
- Employer generosity40.9 / 5082th percentile for employer $ per participant
- Low cost2.7 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving9.0 / 1560th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 11th |
| Employee saving | 60th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Valluzzo Companies put in about $761 per active participant, more than the typical peer ($266). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.77% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $802,779 |
| Participant (employee) contributions | $1,045,105 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $167,162 |
| Contract administrator fees | $167,162 |
| Benefits paid out | $732,533 |
| Net assets, start / end of year | $19.9M / $23.3M |
| Active participants, start / end of year | 988 / 1,123 |
| Participants with account balances | 728 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eisneramper |
Largest service providers (Schedule C)
| Principal Life Insurance Compay | $167,161 reported compensation |
| Whitney Bank | $47,317 reported compensation |
| Eisner Amper | $13,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014153414NAL0001591811001, received 2025-10-14, EIN 38-3821140, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.