Pebble Beach Company 401(k) Review & Grade
Pebble Beach Company 401(k) Plan
Pebble Beach, CAAccommodation & Food Services1,966 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,961Employer $ per active participant
$3,720Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$143.7MNet plan assets, end of year
$73,800Average balance per account
Score breakdown
- Employer generosity47.7 / 5095th percentile for employer $ per participant
- Low cost22.2 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 89th |
| Employee saving | 94th |
| 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
- Pebble Beach put in about $1,961 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.
- 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.
- 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 | $3,856,531 |
| Participant (employee) contributions | $7,316,309 |
| Other contributions (incl. rollovers in) | $622,392 |
| Administrative expenses paid from the plan | $61,070 |
| Investment advisory & management fees | $32,796 |
| Benefits paid out | $11,722,575 |
| Net assets, start / end of year | $125.0M / $143.7M |
| Active participants, start / end of year | 1,963 / 1,970 |
| Participants with account balances | 1,947 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young, LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $32,797 reported compensation |
| Fidelity Investments Institutional | $28,274 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916185712NAL0001452211001, received 2025-09-16, EIN 77-0303209, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.