Gold Point Lodging & Realty, Inc. 401(k) Review & Grade
Breckenridge Grand Vacations 401(k) Plan
Breckenridge, COReal Estate & Rental636 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$788Employer $ per active participant
$3,227Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$23.0MNet plan assets, end of year
$64,322Average balance per account
Score breakdown
- Employer generosity16.0 / 5032th percentile for employer $ per participant
- Low cost16.6 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- 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 | 32th |
| Lower admin cost | 67th |
| Employee saving | 45th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $140,367 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Gold Point Lodging & Realty put in about $788 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.
- 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.
- 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 | $501,496 |
| Participant (employee) contributions | $2,054,115 |
| Other contributions (incl. rollovers in) | $55,208 |
| Administrative expenses paid from the plan | $28,156 |
| Benefits paid out | $1,145,338 |
| Net assets, start / end of year | $19.1M / $23.0M |
| Active participants, start / end of year | 634 / 639 |
| Participants with account balances | 358 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sikich CPA LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $28,156 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250825145931NAL0013864320001, received 2025-08-25, EIN 84-1117805, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.