4r Restaurant Group, LLC 401(k) Review & Grade
4r Restaurant Group 401(k) Plan
Winter Park, FLAccommodation & Food Services522 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$451Employer $ per active participant
$873Employee $ saved per active participant
0.81%Direct admin cost, % of plan assets
$4.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity34.0 / 5068th percentile for employer $ per participant
- Low cost2.4 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving7.9 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 10th |
| Employee saving | 53th |
| Peers that auto-enroll | 17% |
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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 ($21,012 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
- 4r Restaurant Group put in about $451 per active participant, more than the typical peer ($266). 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.
- Direct plan expenses (0.81% 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.
- 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 | $235,334 |
| Participant (employee) contributions | $455,747 |
| Other contributions (incl. rollovers in) | $8,544 |
| Administrative expenses paid from the plan | $32,410 |
| Investment advisory & management fees | $781 |
| Benefits paid out | $862,262 |
| Net assets, start / end of year | $3.9M / $4.2M |
| Active participants, start / end of year | 537 / 507 |
| Participants with account balances | 149 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withumsmith & Brown, PC |
Largest service providers (Schedule C)
| Transamerica Life Insurance Company | $31,629 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001131319NAL0005939299001, received 2025-10-01, EIN 27-2064689, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.