Golden Route Operations, LLC 401(k) Review & Grade
Golden Route Operations, LLC 401(k) Savings Plan
Las Vegas, NVArts, Entertainment & Recreation588 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$84Employer $ per active participant
$797Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$2.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.9 / 506th percentile for employer $ per participant
- Low cost11.5 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 6th |
| Lower admin cost | 46th |
| Employee saving | 17th |
| Peers that auto-enroll | 38% |
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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
- Golden Route Operations put in about $84 per active participant, below the typical peer ($995). 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.
- 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.
- 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 | $49,185 |
| Participant (employee) contributions | $469,240 |
| Other contributions (incl. rollovers in) | $163,088 |
| Administrative expenses paid from the plan | $7,358 |
| Investment advisory & management fees | $3,163 |
| Benefits paid out | $211,402 |
| Net assets, start / end of year | $0 / $2.8M |
| Active participants, start / end of year | 584 / 593 |
| Participants with account balances | 195 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Doehring Winders & Co LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $4,195 reported compensation |
| Smith Moore & Co | $3,163 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251118102103NAL0003821216001, received 2025-11-18, EIN 35-2818935, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.