Goto Foods LLC 401(k) Review & Grade
Goto Foods LLC 401(k) Plan
Atlanta, GAAccommodation & Food Services2,247 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,394Employer $ per active participant
$3,385Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$93.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity45.4 / 5091th percentile for employer $ per participant
- Low cost19.3 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1593th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 77th |
| Employee saving | 93th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Goto Foods put in about $1,394 per active participant, more than the typical peer ($266). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $3,132,478 |
| Participant (employee) contributions | $7,605,219 |
| Other contributions (incl. rollovers in) | $1,329,815 |
| Administrative expenses paid from the plan | $76,699 |
| Benefits paid out | $10,160,939 |
| Net assets, start / end of year | $80.5M / $93.8M |
| Active participants, start / end of year | 1,690 / 2,804 |
| Participants with account balances | 1,075 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thronton LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $76,699 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917151023NAL0000677059001, received 2025-09-17, EIN 13-3559485, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.