Eos Fitness Opco Holdings LLC 401(k) Review & Grade
Eos Fitness 401(k) Plan
Phoenix, AZArts, Entertainment & Recreation2,169 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$175Employer $ per active participant
$1,200Employee $ saved per active participant
2.81%Direct admin cost, % of plan assets
$8.0MNet plan assets, end of year
$3,216Average balance per account
Score breakdown
- Employer generosity5.6 / 5011th percentile for employer $ per participant
- Low cost0.1 / 251th percentile for low admin cost vs. same-size plans
- Employee saving4.2 / 1528th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score7 / 100 · Grade F
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 1th |
| Employee saving | 28th |
| Peers that auto-enroll | 38% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($3,878 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $7,160 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Eos Fitness Opco Holdings put in about $175 per active participant, below the typical peer ($995). 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 (2.81% 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.
- 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 | $379,741 |
| Participant (employee) contributions | $2,603,197 |
| Other contributions (incl. rollovers in) | $276 |
| Administrative expenses paid from the plan | $186,174 |
| Investment advisory & management fees | $5,274 |
| Benefits paid out | $846,395 |
| Net assets, start / end of year | $5.2M / $8.0M |
| Active participants, start / end of year | 2,260 / 2,078 |
| Participants with account balances | 2,495 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Adp, Inc. | $181,670 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007052830NAL0002259363001, received 2025-10-07, EIN 47-2848044, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.