East West Resorts Employee Company, LLC 401(k) Review & Grade
East West Resorts, LLC Savings and Retirement Plan
Avon, COReal Estate & Rental1,350 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$765Employer $ per active participant
$3,838Employee $ saved per active participant
0.53%Direct admin cost, % of plan assets
$43.7MNet plan assets, end of year
$20,721Average balance per account
Score breakdown
- Employer generosity15.5 / 5031th percentile for employer $ per participant
- Low cost5.3 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving7.8 / 1552th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 21th |
| Employee saving | 52th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $13,238 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- East West Resorts Employee Company put in about $765 per active participant, below the typical peer ($1,279). 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 (0.53% 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 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 | $1,033,306 |
| Participant (employee) contributions | $5,183,268 |
| Other contributions (incl. rollovers in) | $501,526 |
| Administrative expenses paid from the plan | $210,422 |
| Investment advisory & management fees | $60,822 |
| Benefits paid out | $4,018,686 |
| Net assets, start / end of year | $35.9M / $43.7M |
| Active participants, start / end of year | 1,262 / 1,439 |
| Participants with account balances | 2,109 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $149,600 reported compensation |
| Sageview Advisory Group LLC | $50,000 reported compensation |
| Strategic Advisors, Inc. | $10,822 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251011160534NAL0008592225001, received 2025-10-11, EIN 20-1942537, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.