Host International, Inc. 401(k) Review & Grade
Hmshost Hudson 401(k) Retirement Savings Plan
Bethesda, MDAccommodation & Food Services16,850 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$650Employer $ per active participant
$1,315Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$484.6MNet plan assets, end of year
$52,108Average balance per account
Score breakdown
- Employer generosity36.3 / 5072th percentile for employer $ per participant
- Low cost5.4 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-13 pts2 issues reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Accommodation & Food Services plans with 10,000+ active participants (41 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 21th |
| Employee saving | 65th |
| Peers that auto-enroll | 24% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $182,909 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Host International put in about $650 per active participant, more than the typical peer ($393). 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.
- Direct plan expenses (0.18% of assets) are well above similar-size plans (0.09%). 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.
- 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 | $10,960,478 |
| Participant (employee) contributions | $22,159,610 |
| Other contributions (incl. rollovers in) | $948,241 |
| Administrative expenses paid from the plan | $761,944 |
| Investment advisory & management fees | $154,119 |
| Benefits paid out | $45,209,626 |
| Net assets, start / end of year | $380.0M / $484.6M |
| Active participants, start / end of year | 16,078 / 17,622 |
| Participants with account balances | 9,299 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mitchell & Titus LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $607,825 reported compensation |
| Strategic Advisors, Inc. | $154,119 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003151944NAL0002525728001, received 2025-10-03, EIN 52-1242334, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.