Celebration Restaurant Group LLC 401(k) Review & Grade
Celebration Restaurant Group 401(k) Plan
Celebration, FLAccommodation & Food Services1,324 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$57Employer $ per active participant
$202Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$2.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.5 / 5017th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving1.7 / 1512th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score14 / 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 | 17th |
| Lower admin cost | 53th |
| Employee saving | 12th |
| 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 ($78,392 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $14,934 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Celebration Restaurant Group put in about $57 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- 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 | $75,517 |
| Participant (employee) contributions | $266,977 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $5,067 |
| Contract administrator fees | $5,067 |
| Benefits paid out | $434,754 |
| Net assets, start / end of year | $2.3M / $2.5M |
| Active participants, start / end of year | 1,742 / 905 |
| Participants with account balances | 115 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Windham Brannon, LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $5,067 reported compensation |
| Principal Securities, Inc | $565 reported compensation |
| Wilshire Advisors LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014113626NAL0002776225001, received 2025-10-14, EIN 45-3935068, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.