Sbarro, Inc 401(k) Review & Grade
Sbarro, Inc Employees 401(k) Savings Plan
Columbus, OHAccommodation & Food Services856 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$386Employer $ per active participant
$647Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$8.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity31.8 / 5064th percentile for employer $ per participant
- Low cost20.9 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving6.0 / 1540th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 84th |
| Employee saving | 40th |
| 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
- Sbarro put in about $386 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 | $330,321 |
| Participant (employee) contributions | $553,772 |
| Other contributions (incl. rollovers in) | $521,089 |
| Administrative expenses paid from the plan | $4,720 |
| Benefits paid out | $710,189 |
| Net assets, start / end of year | $6.7M / $8.4M |
| Active participants, start / end of year | 901 / 810 |
| Participants with account balances | 213 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | GBQ Partners LLC |
Largest service providers (Schedule C)
| Transamerica Financial Life Insuran | $4,720 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001143434NAL0017938131001, received 2025-10-01, EIN 11-2501939, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.