Z-Golf Course Food and Beverage 401(k) Review & Grade
Z-Golf Course Food and Beverage Services, LLC 401k Profit Sharin
Temecula, CAAccommodation & Food Services594 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,467Employer $ per active participant
$2,766Employee $ saved per active participant
0.49%Direct admin cost, % of plan assets
$15.2MNet plan assets, end of year
$40,298Average balance per account
Score breakdown
- Employer generosity46.3 / 5093th percentile for employer $ per participant
- Low cost6.0 / 2524th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 24th |
| Employee saving | 91th |
| 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
- Z-Golf Course Food and Beverage put in about $1,467 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.
- Direct plan expenses (0.49% 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.
- 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 | $871,156 |
| Participant (employee) contributions | $1,643,023 |
| Other contributions (incl. rollovers in) | $64,220 |
| Administrative expenses paid from the plan | $68,969 |
| Other admin expenses | $58,630 |
| Benefits paid out | $2,232,973 |
| Net assets, start / end of year | $13.0M / $15.2M |
| Active participants, start / end of year | 593 / 595 |
| Participants with account balances | 377 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| LPL Financial | $58,630 reported compensation |
| Adp, Inc. | $10,338 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015065902NAL0008070370001, received 2025-10-15, EIN 77-0528139, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.