Valicor Environmental Services, LLC 401(k) Review & Grade
Valicor Environmental Services, LLC 401(k) Plan
Monroe, OHProfessional, Scientific & Technical Services772 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,868Employer $ per active participant
$2,995Employee $ saved per active participant
0.63%Direct admin cost, % of plan assets
$22.3MNet plan assets, end of year
$36,300Average balance per account
Score breakdown
- Employer generosity15.9 / 5032th percentile for employer $ per participant
- Low cost4.0 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 16th |
| Employee saving | 15th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Valicor Environmental Services put in about $1,868 per active participant, below the typical peer ($3,082). 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 (0.63% 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.
- 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 | $1,442,939 |
| Participant (employee) contributions | $2,313,253 |
| Other contributions (incl. rollovers in) | $349,693 |
| Administrative expenses paid from the plan | $126,966 |
| Contract administrator fees | $126,966 |
| Benefits paid out | $1,693,956 |
| Net assets, start / end of year | $17.8M / $22.3M |
| Active participants, start / end of year | 833 / 712 |
| Participants with account balances | 615 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Katz Sapper & Miller, LLP |
Largest service providers (Schedule C)
| Tower Watson Investment Services in | $57,959 reported compensation |
| Empower Life & Annuity Insurance | $47,611 reported compensation |
| Empower Advisory Group, LLC | $40,208 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926094556NAL0008431617001, received 2025-09-26, EIN 31-1047208, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.