Holiday Inn Club Vacations Incorporated 401(k) Review & Grade
Holiday Inn Club Vacations Incorporated Retirement Plan
Orlando, FLReal Estate & Rental4,353 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,643Employer $ per active participant
$2,865Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$160.1MNet plan assets, end of year
$36,091Average balance per account
Score breakdown
- Employer generosity32.7 / 5065th percentile for employer $ per participant
- Low cost8.2 / 2533th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 33th |
| Employee saving | 43th |
| Peers that auto-enroll | 46% |
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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
- Holiday Inn Club Vacations Incorporated put in about $1,643 per active participant, more than the typical peer ($1,141). 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 (0.21% 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.
- 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 | $7,150,114 |
| Participant (employee) contributions | $12,471,545 |
| Other contributions (incl. rollovers in) | $1,523,775 |
| Administrative expenses paid from the plan | $318,223 |
| Other admin expenses | $43,747 |
| Benefits paid out | $20,956,612 |
| Net assets, start / end of year | $140.4M / $160.1M |
| Active participants, start / end of year | 4,562 / 4,144 |
| Participants with account balances | 4,436 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withumsmithbrown, PC |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $274,476 reported compensation |
| Newport Capital Group LLC | $29,728 reported compensation |
| Newport Consulting Group | $14,864 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014104705NAL0002559809001, received 2025-10-14, EIN 58-1434701, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.