Pac Pizza 401(k) Review & Grade
Pac Pizza Retirement Savings Plan
San Ramon, CAAccommodation & Food Services972 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$0Employer $ per active participant
$98Employee $ saved per active participant
0.86%Direct admin cost, % of plan assets
$2.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.4 / 507th percentile for employer $ per participant
- Low cost2.2 / 259th percentile for low admin cost vs. same-size plans
- Employee saving0.6 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score9 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 9th |
| Employee saving | 4th |
| 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
- Pac Pizza put in about $0 per active participant, below the typical peer ($266). 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.
- Direct plan expenses (0.86% 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.
- 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 | $9 |
| Participant (employee) contributions | $95,170 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $24,891 |
| Benefits paid out | $743,775 |
| Net assets, start / end of year | $3.1M / $2.7M |
| Active participants, start / end of year | 1,111 / 832 |
| Participants with account balances | 42 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250331142159NAL0008799696001, received 2025-03-31, EIN 13-3952007, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.