Wingstop Restaurants, Inc. 401(k) Review & Grade
Wri Employees 401(k) Plan
Dallas, TXReal Estate & Rental684 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,153Employer $ per active participant
$3,626Employee $ saved per active participant
0.78%Direct admin cost, % of plan assets
$19.7MNet plan assets, end of year
$20,894Average balance per account
Score breakdown
- Employer generosity36.0 / 5072th percentile for employer $ per participant
- Low cost2.6 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 10th |
| Employee saving | 49th |
| Peers that auto-enroll | 47% |
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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 ($577,677 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
- Wingstop Restaurants put in about $2,153 per active participant, more than the typical peer ($1,279). 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.
- Direct plan expenses (0.78% 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 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 | $1,472,579 |
| Participant (employee) contributions | $2,479,921 |
| Other contributions (incl. rollovers in) | $980,893 |
| Administrative expenses paid from the plan | $135,168 |
| Contract administrator fees | $135,168 |
| Benefits paid out | $2,339,099 |
| Net assets, start / end of year | $14.9M / $19.7M |
| Active participants, start / end of year | 629 / 739 |
| Participants with account balances | 941 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $135,168 reported compensation |
| Ubs Financial Services Inc | $40,483 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002143043NAL0000928976001, received 2025-10-02, EIN 75-2681763, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.