Valcourt Building Services, LLC 401(k) Review & Grade
Valcourt Building Services, LC 401(k) Plan
Vienna, VAAdministrative, Support & Staffing Services1,770 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,060Employer $ per active participant
$2,009Employee $ saved per active participant
0.51%Direct admin cost, % of plan assets
$32.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity31.6 / 5063th percentile for employer $ per participant
- Low cost5.7 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving8.0 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 23th |
| Employee saving | 53th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($4,147 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $2,387 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Valcourt Building Services put in about $1,060 per active participant, more than the typical peer ($712). 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.
- Direct plan expenses (0.51% 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 | $1,876,973 |
| Participant (employee) contributions | $3,555,951 |
| Other contributions (incl. rollovers in) | $1,072,734 |
| Administrative expenses paid from the plan | $144,212 |
| Contract administrator fees | $82,589 |
| Investment advisory & management fees | $61,623 |
| Benefits paid out | $2,324,535 |
| Net assets, start / end of year | $24.7M / $32.3M |
| Active participants, start / end of year | 1,699 / 1,841 |
| Participants with account balances | 571 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $82,589 reported compensation |
| Creative Planning, LLC | $61,635 reported compensation |
| Cohnreznick LLP | $18,375 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014075755NAL0002364689001, received 2025-10-14, EIN 54-1850090, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.