Wyndham Hotels & Resorts, Inc. 401(k) Review & Grade
Wyndham Hotel Group Employee Savings Plan
Parsippany, NJAccommodation & Food Services1,174 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,237Employer $ per active participant
$10,190Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$323.1MNet plan assets, end of year
$174,473Average balance per account
Score breakdown
- Employer generosity49.8 / 50100th percentile for employer $ per participant
- Low cost22.6 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving15.0 / 15100th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score90 / 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 | 100th |
| Lower admin cost | 90th |
| Employee saving | 100th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Wyndham Hotels & Resorts put in about $5,237 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.
- 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 | $6,147,729 |
| Participant (employee) contributions | $11,963,292 |
| Other contributions (incl. rollovers in) | $1,880,315 |
| Administrative expenses paid from the plan | $124,047 |
| Other admin expenses | $124,047 |
| Benefits paid out | $30,535,883 |
| Net assets, start / end of year | $292.4M / $323.1M |
| Active participants, start / end of year | 1,141 / 1,207 |
| Participants with account balances | 1,852 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
| Employer stock held by plan | $9,544,361 |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $124,975 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250618093837NAL0005985266001, received 2025-06-18, EIN 82-3356232, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.