Fountainbleau Management Group 401(k) Review & Grade
Fountainbleau Management Group 401(k) Profit Sharing Plan & Trust
Cape Girardeau, MOAdministrative, Support & Staffing Services672 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$33Employer $ per active participant
$262Employee $ saved per active participant
2.24%Direct admin cost, % of plan assets
$544,997Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity6.3 / 5012th percentile for employer $ per participant
- Low cost0.2 / 251th percentile for low admin cost vs. same-size plans
- Employee saving1.8 / 1512th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score8 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 12th |
| Lower admin cost | 1th |
| Employee saving | 12th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,270 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Fountainbleau Management Group put in about $33 per active participant, below the typical peer ($712). 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 (2.24% 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 | $21,992 |
| Participant (employee) contributions | $176,321 |
| Other contributions (incl. rollovers in) | $194,624 |
| Administrative expenses paid from the plan | $8,605 |
| Benefits paid out | $80,947 |
| Net assets, start / end of year | $222,815 / $544,997 |
| Active participants, start / end of year | 674 / 670 |
| Participants with account balances | 75 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250515080110NAL0013284675001, received 2025-05-15, EIN 27-0410890, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.