Plan Ledger DOL Form 5500 · updated monthly

Valley Telephone Cooperative, Inc.401(k)

VALLEY TELEPHONE COOP. 401(K) RETIREMENT PLAN · RAYMONDVILLE, TX · plan year 2024

Reported admin expense ratio · 2024
0.27%

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

Valley Telephone Cooperative, Inc. reported $36,019 in plan administrative expenses for 2024: 0.27% of average plan assets, below the peer median. Employer contributions averaged $4,210 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 2 years on file its reported administrative ratio rose from 0.23% to 0.27%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other information & media employers. By assets it is the 2,565th-largest of 5,688 plans among Texas employers on file, and 1,279th of 2,199 in information & media. In 2024, employees put in $1.08 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$13,822,337
Participants with balances220
Active participants197
Employer contributions$829,395
Employee contributions$895,220
Employer contribution per active participant$4,210
Average account balance$62,829
Benefits paid to participants$2,215,233
Plan auditUnmodified (clean) audit opinion
AuditorHEARD, MCELROY & VESTAL, LLC
Plan history3
Yearassets · accounts · employer contribution
2024$13.8M · 220 accts · $829K emplr
2023$12.7M · 232 accts · $730K emplr
2022$11.4M · 231 accts · $795K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$17,762
Investment management$18,257
Total administrative$36,019
The Valley Telephone Cooperative, Inc. 401(k) match · 2024
Employer contribution per active participant$4,210
Median for plans this size$2,416
2024$4,210 per active participant
2023$3,495 per active participant
2022$3,783 per active participant

Valley Telephone Cooperative, Inc.'s 2024 employer contribution ran above the $2,416 median for plans its size, placing it in the top quarter of its peers. 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
NEWPORT GROUP, INC. · Loan processing · Recordkeeping$17,762
TEXAS REGIONAL BANK · Investment advisory (plan)$18,257

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

Recordkeeper by year2
2024Newport (Ascensus)
2023Newport (Ascensus)

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$36,019 · 0.27%
2023$30,555 · 0.25%
2022$27,322 · 0.23%
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Source: U.S. Department of Labor, Form 5500 series, EIN 741207591 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.