The Houstonian Campus, LLC 401(k) Review & Grade
The Houstonian 401(k) Plan
Houston, TXAccommodation & Food Services596 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,885Employer $ per active participant
$4,405Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$53.9MNet plan assets, end of year
$80,227Average balance per account
Score breakdown
- Employer generosity48.9 / 5098th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1596th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 51th |
| Employee saving | 96th |
| 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 ($111,875 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Houstonian Campus put in about $2,885 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,719,509 |
| Participant (employee) contributions | $2,625,213 |
| Other contributions (incl. rollovers in) | $64,844 |
| Administrative expenses paid from the plan | $112,825 |
| Contract administrator fees | $58,186 |
| Other admin expenses | $2,728 |
| Benefits paid out | $3,931,768 |
| Net assets, start / end of year | $46.9M / $53.9M |
| Active participants, start / end of year | 601 / 591 |
| Participants with account balances | 672 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Weinstein Spira |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $62,247 reported compensation |
| Alliant Retirement Services, LLC | $33,911 reported compensation |
| Weinstein Spira & Company, P.C. | $18,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010152920NAL0008395409001, received 2025-10-10, EIN 26-0466230, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.