Valor Healthcare, Inc. 401(k) Review & Grade
Valor Healthcare 401(k) Plan
Dallas, TXHealth Care & Social Assistance1,021 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$647Employer $ per active participant
$4,509Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$45.5MNet plan assets, end of year
$52,631Average balance per account
Score breakdown
- Employer generosity20.3 / 5041th percentile for employer $ per participant
- Low cost11.6 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 46th |
| Employee saving | 74th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($89 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Valor Healthcare put in about $647 per active participant, below the typical peer ($976). 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.
- 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 | $660,395 |
| Participant (employee) contributions | $4,603,290 |
| Other contributions (incl. rollovers in) | $1,219,724 |
| Administrative expenses paid from the plan | $111,299 |
| Investment advisory & management fees | $15,921 |
| Benefits paid out | $7,880,661 |
| Net assets, start / end of year | $41.3M / $45.5M |
| Active participants, start / end of year | 995 / 1,047 |
| Participants with account balances | 864 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $77,366 reported compensation |
| T Rowe Price RPS Inc | $21,862 reported compensation |
| Strategic Advisors, Inc | $15,896 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009143515NAL0003663571001, received 2025-10-09, EIN 20-3585174, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.