Busch Group, LLC 401(k) Review & Grade
The Busch Group 401(k) Plan
Irvine, CAAccommodation & Food Services2,340 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$798Employer $ per active participant
$1,262Employee $ saved per active participant
0.45%Direct admin cost, % of plan assets
$32.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity41.6 / 5083th percentile for employer $ per participant
- Low cost6.6 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving10.6 / 1570th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 26th |
| Employee saving | 70th |
| 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 ($2,535,095 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
- Busch Group put in about $798 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 (0.45% 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 | $1,867,789 |
| Participant (employee) contributions | $2,952,278 |
| Other contributions (incl. rollovers in) | $1,473,893 |
| Administrative expenses paid from the plan | $130,192 |
| Investment advisory & management fees | $45,150 |
| Benefits paid out | $1,615,951 |
| Net assets, start / end of year | $24.8M / $32.7M |
| Active participants, start / end of year | 1,525 / 3,155 |
| Participants with account balances | 1,005 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $85,042 reported compensation |
| Hightower Securities LLC | $40,140 reported compensation |
| Strategic Advisors, Inc. | $5,011 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015123136NAL0002294403001, received 2025-10-15, EIN 81-4437644, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.