Eym Group, Inc. 401(k) Review & Grade
Eym Group, Inc. 401(k) Retirement Savings Plan
Irving, TXAccommodation & Food Services6,092 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2Employer $ per active participant
$45Employee $ saved per active participant
0.90%Direct admin cost, % of plan assets
$2.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity1.5 / 503th percentile for employer $ per participant
- Low cost1.3 / 255th percentile for low admin cost vs. same-size plans
- Employee saving0.0 / 150th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score13 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 2,500–9,999 active participants (104 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 3th |
| Lower admin cost | 5th |
| Employee saving | 0th |
| Peers that auto-enroll | 15% |
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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
- Eym Group put in about $2 per active participant, below the typical peer ($244). Any match is still an instant return, so contribute enough to get all of it.
- 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 (0.90% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $14,043 |
| Participant (employee) contributions | $271,110 |
| Other contributions (incl. rollovers in) | $11,161 |
| Administrative expenses paid from the plan | $22,576 |
| Contract administrator fees | $14,810 |
| Investment advisory & management fees | $4,612 |
| Benefits paid out | $612,978 |
| Net assets, start / end of year | $2.5M / $2.5M |
| Active participants, start / end of year | 6,728 / 5,456 |
| Participants with account balances | 267 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Calvetti Ferguson |
Largest service providers (Schedule C)
| Stancorp Financial Group | $33,416 reported compensation |
| Gallagher Fiduciary Advisors, LLC | $7,856 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015174523NAL0002825395001, received 2025-10-15, EIN 45-2446831, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.