Plan Ledger DOL Form 5500 · updated monthly

Valley Distributors, Inc. D/B/A Valley Beverage401(k)

VALLEY DISTRIBUTORS, INC. PROFIT SHARING 401(K) PLAN · LEWISTON, ME · plan year 2025

Reported admin expense ratio · 2025
0.39%

Peer grade: C+ · admin costs + employer contributions vs same-size plans · how grading works

Valley Distributors, Inc. D/B/A Valley Beverage reported $66,518 in plan administrative expenses for 2025: 0.39% of average plan assets, above the peer median. Employer contributions averaged $2,452 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio fell from 0.43% to 0.39%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other wholesale trade employers. By assets it is the 154th-largest of 354 plans among Maine employers on file, and the 2,045th of 4,246 in wholesale trade. In 2025, employees put in $1.61 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$18,289,857
Participants with balances124
Active participants125
Employer contributions$306,526
Employee contributions$493,494
Employer contribution per active participant$2,452
Average account balance$147,499
Benefits paid to participants$881,975
Plan auditUnmodified (clean) audit opinion
AuditorWIPFLI LLP
Plan history4
Yearassets · accounts · employer contribution
2025$18.3M · 124 accts · $307K emplr
2024$15.9M · 123 accts · $285K emplr
2023$14.3M · 135 accts · $280K emplr
2022$12.0M · 131 accts · $272K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$15,515
Investment management$51,003
Total administrative$66,518
The Valley Distributors, Inc. D/B/A Valley Beverage 401(k) match · 2025
Employer contribution per active participant$2,452
Median for plans this size$2,666
2025$2,452 per active participant
2024$2,174 per active participant
2023$2,107 per active participant
2022$2,266 per active participant

Valley Distributors, Inc. D/B/A Valley Beverage's 2025 employer contribution ran below the $2,666 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
OSAIC WEALTH INC · Investment advisory (plan)$31,748
EMPOWER ADVISORY GROUP, LLC · Investment management$19,255

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history4
2025$66,518 · 0.39%
2024$63,427 · 0.42%
2023$58,063 · 0.44%
2022$58,125 · 0.43%
Same employer
Similar plansWholesale Trade · Maine
Dennis Food Service ME$21.4M · 0.01%
Chadwick-Baross, Inc. ME$21.1M · 0.23%
Kardex Remstar, LLC ME$20.6M · 0.41%
Nappi Distributors, Inc. ME$18.6M · 0.08%
Butler Bros. ME$17.2M · 0.31%
W.D. Matthews Machinery Co. ME$14.7M · 0.07%
R. H. Foster Energy, LLC ME$14.6M · 0.72%
C.N. Brown Company ME$14.6M · 0.60%

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Source: U.S. Department of Labor, Form 5500 series, EIN 010324344 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.