Plan Ledger DOL Form 5500 · updated monthly

Valor LLC401(k)

VALOR, LLC RETIREMENT PLAN · OWENSBORO, KY · plan year 2024

Reported admin expense ratio · 2024
1.01%

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

Valor LLC reported $54,421 in plan administrative expenses for 2024: 1.01% of average plan assets, higher than ~75% of peers. Employer contributions averaged $929 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 0.56% to 1.01%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other wholesale trade employers. By assets it is among the smaller plans on file in Kentucky (615th of 871), and 3,552nd of 4,246 in wholesale trade. In 2024, employees put in $2.46 for every $1.00 the employer contributed; active participation has grown from 143 to 221 since 2022.

Plan summary
Net assets, end of year$5,670,197
Participants with balances157
Active participants221
Employer contributions$205,287
Employee contributions$504,775
Employer contribution per active participant$929
Average account balance$36,116
Benefits paid to participants$477,339
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$5.7M · 157 accts · $205K emplr
2023$5.1M · 113 accts · $180K emplr
2022$4.5M · 109 accts · $155K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$9,683
Investment management$24,154
Audit (IQPA)$20,584
Total administrative$54,421
The Valor LLC 401(k) match · 2024
Employer contribution per active participant$929
Median for plans this size$1,313
2024$929 per active participant
2023$901 per active participant
2022$1,085 per active participant

Valor LLC's 2024 employer contribution ran below the $1,313 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20245
TRANSAMERICA LIFE INSURANCE COMPANY · Recordkeeping · Loan processing$6,362
ANEW 401(K) TPA, LLC · Recordkeeping · Loan processing$3,321
HORIZON WEALTH MANAGEMENT · Investment advisory (plan)$23,122
BLUE AND COMPANY LLC · Accounting / audit$20,584
MESIROW FINANCIAL, INC. · Investment advisory (plan)$1,032

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

Recordkeeper by year2
2024ANEW 401(K) TPA, LLC, Transamerica
2023ANEW 401(K) TPA, LLC, Transamerica

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

Administrative cost history3
2024$54,421 · 1.01%
2023$29,842 · 0.63%
2022$24,982 · 0.56%
Same employer
Similar plansWholesale Trade · Kentucky
Ross Acquisition Co. KY$6.4M · 0.74%
Zotefoams Inc. KY$6.2M · 0.07%
Ki (USA) Corporation KY$5.4M · 0.14%
Brown Foodservice, Inc. KY$4.4M · 0.17%
Wiseway Inc. KY$4.4M · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 611370293 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.