Valtir, LLC 401(k) Review & Grade
Valtir 401(k) Plan
Addison, TXManufacturing622 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,804Employer $ per active participant
$5,104Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$68.2MNet plan assets, end of year
$81,691Average balance per account
Score breakdown
- Employer generosity36.3 / 5073th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving7.9 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 58th |
| Employee saving | 53th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($299,838 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Valtir put in about $3,804 per active participant, more than the typical peer ($2,320). 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,366,307 |
| Participant (employee) contributions | $3,174,712 |
| Other contributions (incl. rollovers in) | $173,982 |
| Administrative expenses paid from the plan | $117,628 |
| Contract administrator fees | $85,966 |
| Investment advisory & management fees | $27,162 |
| Other admin expenses | $4,500 |
| Benefits paid out | $10,729,139 |
| Net assets, start / end of year | $63.6M / $68.2M |
| Active participants, start / end of year | 606 / 638 |
| Participants with account balances | 835 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Holman Frenia Allison, P.C. |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $90,711 reported compensation |
| Voya Retirement Advisors, LLC | $22,388 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015112907NAL0009331330001, received 2025-10-15, EIN 42-1642965, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.