Valiant Integrated Services LLC 401(k) Review & Grade
Valiant Integrated Services 401(k) Plan
Herndon, VAAdministrative, Support & Staffing Services3,905 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,996Employer $ per active participant
$3,741Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$271.4MNet plan assets, end of year
$75,645Average balance per account
Score breakdown
- Employer generosity41.5 / 5083th percentile for employer $ per participant
- Low cost14.0 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving11.5 / 1577th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 56th |
| Employee saving | 77th |
| Peers that auto-enroll | 22% |
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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 ($149,151 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $113,474 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Valiant Integrated Services put in about $1,996 per active participant, more than the typical peer ($342). 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- 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 | $7,795,459 |
| Participant (employee) contributions | $14,607,974 |
| Other contributions (incl. rollovers in) | $3,010,151 |
| Administrative expenses paid from the plan | $276,562 |
| Contract administrator fees | $276,562 |
| Benefits paid out | $33,831,255 |
| Net assets, start / end of year | $254.0M / $271.4M |
| Active participants, start / end of year | 4,096 / 3,714 |
| Participants with account balances | 3,588 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sc&h Attest Services P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $276,562 reported compensation |
| Global Retirement Partners, LLC, a | $0 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014084102NAL0001129139001, received 2025-10-14, EIN 47-4319448, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.