Woda Cooper Companies, Inc. 401(k) Review & Grade
Valhalla Holdings, Inc. 401(k) Plan
Columbus, OHReal Estate & Rental611 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$553Employer $ per active participant
$2,428Employee $ saved per active participant
0.75%Direct admin cost, % of plan assets
$11.0MNet plan assets, end of year
$33,908Average balance per account
Score breakdown
- Employer generosity12.1 / 5024th percentile for employer $ per participant
- Low cost2.8 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving4.9 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score10 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 11th |
| Employee saving | 32th |
| Peers that auto-enroll | 47% |
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 ($4,327 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $16,031 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Woda Cooper Companies put in about $553 per active participant, below the typical peer ($1,279). Any match is still an instant return, so contribute enough to get all of it.
- 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 (0.75% 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.
- 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 | $338,036 |
| Participant (employee) contributions | $1,483,714 |
| Other contributions (incl. rollovers in) | $408,395 |
| Administrative expenses paid from the plan | $74,434 |
| Contract administrator fees | $41,903 |
| Investment advisory & management fees | $13,942 |
| Other admin expenses | $18,589 |
| Benefits paid out | $851,548 |
| Net assets, start / end of year | $8.8M / $11.0M |
| Active participants, start / end of year | 607 / 615 |
| Participants with account balances | 323 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Brady Ware & Schoenfield, Inc. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $41,903 reported compensation |
| Merrill Lynch Pierce Fenner & Smith | $32,585 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015123919NAL0002304019001, received 2025-10-15, EIN 26-0430251, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.