Rosen Hotels & Resorts, Inc. 401(k) Review & Grade
Rosen Hotels and Resorts, Inc. Employees Savings Trust
Orlando, FLAccommodation & Food Services3,823 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$897Employer $ per active participant
$2,530Employee $ saved per active participant
0.37%Direct admin cost, % of plan assets
$100.6MNet plan assets, end of year
$22,920Average balance per account
Score breakdown
- Employer generosity43.2 / 5086th percentile for employer $ per participant
- Low cost4.4 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 2,500–9,999 active participants (104 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 18th |
| Employee saving | 91th |
| Peers that auto-enroll | 15% |
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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
- Rosen Hotels & Resorts put in about $897 per active participant, more than the typical peer ($244). 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 (0.37% of assets) are well above similar-size plans (0.12%). 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 | $3,430,381 |
| Participant (employee) contributions | $9,672,346 |
| Other contributions (incl. rollovers in) | $554,008 |
| Administrative expenses paid from the plan | $338,447 |
| Investment advisory & management fees | $50,000 |
| Benefits paid out | $5,273,076 |
| Net assets, start / end of year | $82.0M / $100.6M |
| Active participants, start / end of year | 3,753 / 3,893 |
| Participants with account balances | 4,388 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Carol Zmuda, P.A. |
Largest service providers (Schedule C)
| Ubs Financial Services Inc | $50,000 reported compensation |
| Carol Zmuda PA | $36,500 reported compensation |
| Empower Annuity Insurance Company O | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923123117NAL0006842688001, received 2025-09-23, EIN 59-1536217, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.