Tavistock Corporation 401(k) Review & Grade
Tavistock 401(k) Plan
Windermere, FLArts, Entertainment & Recreation676 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,249Employer $ per active participant
$5,864Employee $ saved per active participant
0.34%Direct admin cost, % of plan assets
$43.0MNet plan assets, end of year
$47,936Average balance per account
Score breakdown
- Employer generosity29.9 / 5060th percentile for employer $ per participant
- Low cost9.0 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving13.5 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 36th |
| Employee saving | 90th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Tavistock put in about $1,249 per active participant, more than the typical peer ($995). 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 | $843,632 |
| Participant (employee) contributions | $3,960,966 |
| Other contributions (incl. rollovers in) | $14,889 |
| Administrative expenses paid from the plan | $134,255 |
| Investment advisory & management fees | $30,000 |
| Other admin expenses | $10,068 |
| Benefits paid out | $1,853,244 |
| Net assets, start / end of year | $35.4M / $43.0M |
| Active participants, start / end of year | 684 / 667 |
| Participants with account balances | 896 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Richey May & Co |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $84,287 reported compensation |
| Onedigital Investment Advisors LLC | $30,000 reported compensation |
| Cbiz Benefits and Insurance Service | $10,068 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250807153735NAL0005207344001, received 2025-08-07, EIN 59-2117458, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.