Retirement plan

VALLEY CHROME PLATING, INC. 401(K) PLAN

Name: VALLEY CHROME PLATING, INC. - VALLEY CHROME PLATING, INC. 401(K) PLAN (2025) Form 5500
Creator: VALLEY CHROME PLATING, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, VALLEY CHROME PLATING, INC. 401(K) PLAN, VALLEY CHROME PLATING, INC.

VALLEY CHROME PLATING, INC.EIN 94-2449333Plan #001PY 2025

1028 HOBLITT AVENUE - CLOVIS, CA 93612559-298-8094valleychrome.comLinkedIn51-200 employeestransportation/trucking/railroad

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$10.6M

+15.4% from 2024

Total participants

127

+0.8% from 2024

Average account balance

$99,784

+24.1% from 2024

Annual return

13.67%

+2.98 pp from 2024

Benchmarks

See 629 peers

Peer group

Industry33 - Manufacturing

Plan typeDefined contribution

Participants100-249

Cohort629 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$10.58M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$100K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

106

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

81.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$643K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+13.67%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$571

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
COMMONWEALTH FINANCIAL NETWORK6 years Service code 26 · EIN 04-2675571	Advisory (Participants)	$39,710
NAVIA BENEFIT SOLUTIONS1 year Filed as: NAVIA BENEFIT SOLUTIONS, INC. Service code 15 · EIN 01-0233346 735 W. ALLUVIAL AVE, STE 10 · FRESNO, CA 93711	Recordkeeping	$20,000
JOHN HANCOCK LIFE INSURANCE COMPANY6 years Service code 15 · EIN 01-0233346	Recordkeeping	$850

Plan features & details

Pension benefit codes2E2F2G2J2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$61K

$522 / participant

Contract admin$59K96.7%
Other / not subdivided$2K3.3%

% of EOY assets

0.572%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: JASON UNDERWOOD CPA, PLLC
Auditor EIN: 453976013
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$99,784

$79,867+24.9%

$120,344-17.1%

$64,340+55.1%

Participation rate

81.9%

63.0%+18.9pp

76.7%+5.2pp

55.2%+26.6pp

Annual return

13.67%

21.10%-7.4pp

20.30%-6.6pp

24.14%-10.5pp

Employer contribution / active EE

$1,887

$1,925-2.0%

$3,020-37.5%

$1,862+1.4%

Participant deferral / active EE

$3,658

$3,593+1.8%

$5,135-28.8%

$2,980+22.8%

Admin fee / account holder

$571

$5,039-88.7%

$12,742-95.5%

$3,703-84.6%

Provider

Service type

Compensation

COMMONWEALTH FINANCIAL NETWORK6 years

Service code 26 · EIN 04-2675571

Advisory (Participants)

$39,710

NAVIA BENEFIT SOLUTIONS1 year

Filed as: NAVIA BENEFIT SOLUTIONS, INC.

Service code 15 · EIN 01-0233346

735 W. ALLUVIAL AVE, STE 10 · FRESNO, CA 93711

Recordkeeping

$20,000

JOHN HANCOCK LIFE INSURANCE COMPANY6 years

Service code 15 · EIN 01-0233346

Recordkeeping

$850

VALLEY CHROME PLATING, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

VALLEY CHROME PLATING, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion