Hyatt Corporation 401(k) Review & Grade
Hyatt Corporation Retirement Savings Plan
Chicago, ILAccommodation & Food Services35,794 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,278Employer $ per active participant
$2,988Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$2.5BNet plan assets, end of year
$81,405Average balance per account
Score breakdown
- Employer generosity42.5 / 5085th percentile for employer $ per participant
- Low cost17.8 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving12.8 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 10,000+ active participants (41 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 71th |
| Employee saving | 85th |
| Peers that auto-enroll | 24% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($381,534 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Hyatt put in about $1,278 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.
- 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.
- 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 | $45,757,127 |
| Participant (employee) contributions | $106,939,089 |
| Other contributions (incl. rollovers in) | $10,145,486 |
| Administrative expenses paid from the plan | $1,188,650 |
| Investment advisory & management fees | $87,056 |
| Other admin expenses | $25,110 |
| Benefits paid out | $232,598,944 |
| Net assets, start / end of year | $2.3B / $2.5B |
| Active participants, start / end of year | 35,391 / 36,196 |
| Participants with account balances | 30,619 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $1,000,381 reported compensation |
| Morgan Stanley Global Banking | $75,172 reported compensation |
| Crowe LLP | $60,758 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001094755NAL0005855811001, received 2025-10-01, EIN 94-1649123, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.