Six Continents Hotels, Inc. 401(k) Review & Grade
Ihg 401(k) Savings and Retirement Plan
Atlanta, GAAccommodation & Food Services10,936 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,622Employer $ per active participant
$4,280Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$1.1BNet plan assets, end of year
$93,506Average balance per account
Score breakdown
- Employer generosity48.8 / 5098th percentile for employer $ per participant
- Low cost17.4 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1598th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score91 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 10,000+ active participants (41 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 70th |
| Employee saving | 98th |
| Peers that auto-enroll | 24% |
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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
- Six Continents Hotels put in about $2,622 per active participant, more than the typical peer ($393). 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.
- 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 | $28,669,683 |
| Participant (employee) contributions | $46,801,261 |
| Other contributions (incl. rollovers in) | $5,018,987 |
| Administrative expenses paid from the plan | $567,036 |
| Investment advisory & management fees | $36,000 |
| Other admin expenses | $22,835 |
| Benefits paid out | $104,953,897 |
| Net assets, start / end of year | $1.0B / $1.1B |
| Active participants, start / end of year | 10,817 / 11,055 |
| Participants with account balances | 12,111 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Windham Brannon, LLC |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $478,272 reported compensation |
| Capfinancial Partners LLC | $36,000 reported compensation |
| Windham Brannon | $25,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015085526NAL0002047779001, received 2025-10-15, EIN 58-2283470, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.