BW at RV Hotels Inc 401(k) Review & Grade
BW at RV Hotels Inc 401(k) Profit Sharing Plan & Trust
Rutland, VTAccommodation & Food Services538 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$130Employer $ per active participant
$961Employee $ saved per active participant
0.96%Direct admin cost, % of plan assets
$2.8MNet plan assets, end of year
$5,028Average balance per account
Score breakdown
- Employer generosity15.1 / 5030th percentile for employer $ per participant
- Low cost1.7 / 257th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 7th |
| Employee saving | 59th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Corrective distributions: the plan refunded $10,907 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- BW at RV Hotels put in about $130 per active participant, below the typical peer ($266). 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 (0.96% 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.
- 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 | $69,752 |
| Participant (employee) contributions | $516,637 |
| Other contributions (incl. rollovers in) | $80,300 |
| Administrative expenses paid from the plan | $24,004 |
| Contract administrator fees | $11,392 |
| Investment advisory & management fees | $11,798 |
| Benefits paid out | $232,028 |
| Net assets, start / end of year | $2.1M / $2.8M |
| Active participants, start / end of year | 558 / 517 |
| Participants with account balances | 566 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Global Retirement Partners | $11,798 reported compensation |
| Paychex, Inc. | $7,322 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013121919NAL0000583811001, received 2025-10-13, EIN 04-3400126, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.