Cafe Valley, Inc. 401(k) Review & Grade
Cafe Valley, Inc. 401(k) Profit Sharing Plan and Trust
Phoenix, AZManufacturing1,106 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$783Employer $ per active participant
$1,488Employee $ saved per active participant
0.70%Direct admin cost, % of plan assets
$11.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity6.0 / 5012th percentile for employer $ per participant
- Low cost3.3 / 2513th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 157th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score13 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 12th |
| Lower admin cost | 13th |
| Employee saving | 7th |
| Peers that auto-enroll | 59% |
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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
- Cafe Valley put in about $783 per active participant, below the typical peer ($2,320). 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 (0.70% 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 | $865,880 |
| Participant (employee) contributions | $1,645,936 |
| Other contributions (incl. rollovers in) | $29,566 |
| Administrative expenses paid from the plan | $74,436 |
| Benefits paid out | $1,960,305 |
| Net assets, start / end of year | $9.6M / $11.8M |
| Active participants, start / end of year | 1,125 / 1,087 |
| Participants with account balances | 498 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Adp, Inc. | $58,800 reported compensation |
| Cbiz Cpas P.C. | $15,635 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250827051600NAL0018397858001, received 2025-08-27, EIN 86-0575165, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.