Hotel Equities Group, LLC 401(k) Review & Grade
Hotel Equities Group, LLC 401(k) Plan
Alpharetta, GAProfessional, Scientific & Technical Services5,277 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$494Employer $ per active participant
$963Employee $ saved per active participant
0.97%Direct admin cost, % of plan assets
$28.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.5 / 5017th percentile for employer $ per participant
- Low cost1.2 / 255th percentile for low admin cost vs. same-size plans
- Employee saving1.1 / 157th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score4 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 5th |
| Employee saving | 7th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($94,944 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
- Hotel Equities Group put in about $494 per active participant, below the typical peer ($2,951). 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 (0.97% 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 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 | $2,604,968 |
| Participant (employee) contributions | $5,081,857 |
| Other contributions (incl. rollovers in) | $1,044,115 |
| Administrative expenses paid from the plan | $241,150 |
| Investment advisory & management fees | $7,111 |
| Benefits paid out | $5,310,517 |
| Net assets, start / end of year | $21.8M / $28.1M |
| Active participants, start / end of year | 5,426 / 5,128 |
| Participants with account balances | 1,589 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Windham Brannon |
Largest service providers (Schedule C)
| Adp, Inc. | $241,150 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006050650NAL0001677971001, received 2025-10-06, EIN 73-1718961, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.