Amf Bowling Centers, Inc. 401(k) Review & Grade
Amf Bowling Centers, Inc. 401(k) Retirement Plan
Mechanicsville, VAArts, Entertainment & Recreation7,546 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$0Employer $ per active participant
$513Employee $ saved per active participant
0.52%Direct admin cost, % of plan assets
$48.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity0.0 / 500th percentile for employer $ per participant
- Low cost3.0 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving0.4 / 153th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score13 / 100 · Grade F
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 2,500–9,999 active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 0th |
| Lower admin cost | 12th |
| Employee saving | 3th |
| Peers that auto-enroll | 43% |
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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
- Amf Bowling Centers put in about $0 per active participant, below the typical peer ($1,107). 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 (0.52% of assets) are well above similar-size plans (0.12%). 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $57 |
| Participant (employee) contributions | $3,872,540 |
| Other contributions (incl. rollovers in) | $472,214 |
| Administrative expenses paid from the plan | $238,367 |
| Investment advisory & management fees | $98,245 |
| Other admin expenses | $1,300 |
| Benefits paid out | $3,523,367 |
| Net assets, start / end of year | $42.8M / $48.9M |
| Active participants, start / end of year | 7,757 / 7,336 |
| Participants with account balances | 1,247 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pbmares, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $119,873 reported compensation |
| Merrill Lynch Pierce Fenner & Smith | $52,330 reported compensation |
| Empower Advisory Group, LLC | $45,915 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014073825NAL0002339217001, received 2025-10-14, EIN 54-1221662, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.