Stanford Hotels Corporation 401(k) Review & Grade
Employee 401(k) Plan
San Francisco, CAAccommodation & Food Services1,368 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,105Employer $ per active participant
$2,718Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$58.3MNet plan assets, end of year
$67,985Average balance per account
Score breakdown
- Employer generosity44.0 / 5088th percentile for employer $ per participant
- Low cost10.1 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1590th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 88th |
| Lower admin cost | 40th |
| Employee saving | 90th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($8,197 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,130 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stanford Hotels put in about $1,105 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,511,534 |
| Participant (employee) contributions | $3,718,635 |
| Other contributions (incl. rollovers in) | $255,708 |
| Administrative expenses paid from the plan | $164,991 |
| Investment advisory & management fees | $55,000 |
| Benefits paid out | $5,018,235 |
| Net assets, start / end of year | $51.7M / $58.3M |
| Active participants, start / end of year | 1,376 / 1,360 |
| Participants with account balances | 858 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lbmc PC |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $109,991 reported compensation |
| Gallagher Fiduciary Advisors, LLC | $55,000 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015130921NAL0009747490001, received 2025-10-15, EIN 93-1189544, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.