Peregrine Permanent Management, LLC 401(k) Review & Grade
Peregrine Hospitality -East 401(k) Plan
Denver, COArts, Entertainment & Recreation852 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$249Employer $ per active participant
$1,156Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$7.6MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity7.6 / 5015th percentile for employer $ per participant
- Low cost9.7 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 15th |
| Lower admin cost | 39th |
| Employee saving | 27th |
| Peers that auto-enroll | 38% |
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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
- Peregrine Permanent Management put in about $249 per active participant, below the typical peer ($995). 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.
- 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.
- 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 | $212,024 |
| Participant (employee) contributions | $984,619 |
| Other contributions (incl. rollovers in) | $57,356 |
| Administrative expenses paid from the plan | $21,971 |
| Contract administrator fees | $5,273 |
| Investment advisory & management fees | $16,698 |
| Benefits paid out | $690,350 |
| Net assets, start / end of year | $6.3M / $7.6M |
| Active participants, start / end of year | 800 / 904 |
| Participants with account balances | 390 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Miller Kaplan Arase, LLP |
Largest service providers (Schedule C)
| Burnham Gibson Wealth Advisors LLC | $16,698 reported compensation |
| John Hancock Retirement Plan Srvcs | $5,273 reported compensation |
| United Planners Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014152128NAL0003269633001, received 2025-10-14, EIN 83-4414506, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.