Dine Brands Global, Inc. 401(k) Review & Grade
Dine Brands Global, Inc. 401(k) Plan
Pasadena, CAAccommodation & Food Services761 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,770Employer $ per active participant
$8,614Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$134.7MNet plan assets, end of year
$113,470Average balance per account
Score breakdown
- Employer generosity49.7 / 5099th percentile for employer $ per participant
- Low cost19.8 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1599th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score77 / 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 | 99th |
| Lower admin cost | 79th |
| Employee saving | 99th |
| Peers that auto-enroll | 17% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($255,327 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
- Dine Brands Global put in about $4,770 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.
- 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 | $3,629,758 |
| Participant (employee) contributions | $6,555,299 |
| Other contributions (incl. rollovers in) | $1,169,347 |
| Administrative expenses paid from the plan | $100,646 |
| Investment advisory & management fees | $12,060 |
| Benefits paid out | $14,142,486 |
| Net assets, start / end of year | $119.3M / $134.7M |
| Active participants, start / end of year | 591 / 931 |
| Participants with account balances | 1,187 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
| Employer stock held by plan | $878,841 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $88,586 reported compensation |
| Strategic Advisors, Inc. | $12,060 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007110956NAL0004678353001, received 2025-10-07, EIN 95-3038279, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.