O'reilly Hospitality Management, LLC 401(k) Review & Grade
O'reilly Hospitality Management, LLC 401(k) Plan
Springfield, MOAccommodation & Food Services1,378 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$639Employer $ per active participant
$1,073Employee $ saved per active participant
1.39%Direct admin cost, % of plan assets
$11.2MNet plan assets, end of year
$8,648Average balance per account
Score breakdown
- Employer generosity39.6 / 5079th percentile for employer $ per participant
- Low cost0.8 / 253th percentile for low admin cost vs. same-size plans
- Employee saving9.6 / 1564th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 3th |
| Employee saving | 64th |
| 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
- O'reilly Hospitality Management put in about $639 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.
- Direct plan expenses (1.39% 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.
- 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 | $881,362 |
| Participant (employee) contributions | $1,479,697 |
| Other contributions (incl. rollovers in) | $13,177 |
| Administrative expenses paid from the plan | $138,273 |
| Investment advisory & management fees | $57,694 |
| Benefits paid out | $1,120,970 |
| Net assets, start / end of year | $8.8M / $11.2M |
| Active participants, start / end of year | 1,408 / 1,349 |
| Participants with account balances | 1,291 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Roberts, Mckenzie, Mangan & Cumming |
Largest service providers (Schedule C)
| Capital Group Retirement Plan Svcs. | $80,579 reported compensation |
| Raymond James Financial Services | $57,694 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015142241NAL0002444051001, received 2025-10-15, EIN 26-3502847, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.