Touchstone Golf, LLC 401(k) Review & Grade
Touchstone Golf, LLC 401(k) Plan
Austin, TXArts, Entertainment & Recreation1,070 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$9Employer $ per active participant
$417Employee $ saved per active participant
0.83%Direct admin cost, % of plan assets
$2.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.5 / 505th percentile for employer $ per participant
- Low cost2.4 / 259th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-18 pts3 issues reported on the filing
Total score0 / 100 · Grade F
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 9th |
| Employee saving | 4th |
| Peers that auto-enroll | 38% |
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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 ($17,540 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
Corrective distributions: the plan refunded $133 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Touchstone Golf put in about $9 per active participant, below the typical peer ($995). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.83% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $9,805 |
| Participant (employee) contributions | $445,952 |
| Other contributions (incl. rollovers in) | $211,284 |
| Administrative expenses paid from the plan | $17,596 |
| Benefits paid out | $156,476 |
| Net assets, start / end of year | $1.8M / $2.5M |
| Active participants, start / end of year | 906 / 1,233 |
| Participants with account balances | 87 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250926125705NAL0021715170001, received 2025-09-26, EIN 20-3327565, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.