PCH Hotels and Resorts, Inc. 401(k) Review & Grade
PCH Hotels and Resorts, Inc. 401(k) Plan
Mobile, ALAccommodation & Food Services1,408 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$430Employer $ per active participant
$1,695Employee $ saved per active participant
0.54%Direct admin cost, % of plan assets
$28.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity33.5 / 5067th percentile for employer $ per participant
- Low cost5.2 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1580th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 21th |
| Employee saving | 80th |
| 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
- PCH Hotels and Resorts put in about $430 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 (0.54% 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 | $606,230 |
| Participant (employee) contributions | $2,387,879 |
| Other contributions (incl. rollovers in) | $129,653 |
| Administrative expenses paid from the plan | $139,652 |
| Investment advisory & management fees | $69,157 |
| Benefits paid out | $1,807,495 |
| Net assets, start / end of year | $23.8M / $28.3M |
| Active participants, start / end of year | 1,475 / 1,342 |
| Participants with account balances | 669 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Jamison Money Farmer & Co Inc |
Largest service providers (Schedule C)
| Merrill Lynch Pierce Fenner & Smith | $74,493 reported compensation |
| Adp, Inc. | $70,495 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730052753NAL0005957088001, received 2025-07-30, EIN 56-2216834, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.