Ambrosia QSR Support Center, LLC 401(k) Review & Grade
Ambrosia QSR Support Center, LLC 401(k) Plan
Vancouver, WAAccommodation & Food Services2,001 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$375Employer $ per active participant
$636Employee $ saved per active participant
1.98%Direct admin cost, % of plan assets
$5.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity31.0 / 5062th percentile for employer $ per participant
- Low cost0.3 / 251th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 1th |
| Employee saving | 38th |
| 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
- Ambrosia QSR Support Center put in about $375 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 (1.98% 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 | $750,505 |
| Participant (employee) contributions | $1,273,154 |
| Other contributions (incl. rollovers in) | $1,217 |
| Administrative expenses paid from the plan | $87,414 |
| Contract administrator fees | $60,594 |
| Investment advisory & management fees | $20,686 |
| Benefits paid out | $947,053 |
| Net assets, start / end of year | $3.7M / $5.2M |
| Active participants, start / end of year | 1,488 / 2,514 |
| Participants with account balances | 397 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Geffen Mesher and Company, P.C. |
Largest service providers (Schedule C)
| Vestwell | $66,728 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008200339NAL0005956241001, received 2025-10-08, EIN 85-3902332, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.