Northwood Investors LLC 401(k) Review & Grade
Northwood 401(k) Savings Plan
Denver, COAccommodation & Food Services2,740 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,013Employer $ per active participant
$2,143Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$74.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity44.7 / 5089th percentile for employer $ per participant
- Low cost8.4 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1587th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 2,500–9,999 active participants (104 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 34th |
| Employee saving | 87th |
| Peers that auto-enroll | 15% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Northwood Investors put in about $1,013 per active participant, more than the typical peer ($244). 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 | $2,774,718 |
| Participant (employee) contributions | $5,870,313 |
| Other contributions (incl. rollovers in) | $1,349,656 |
| Administrative expenses paid from the plan | $144,095 |
| Investment advisory & management fees | $73,557 |
| Benefits paid out | $10,789,518 |
| Net assets, start / end of year | $65.2M / $74.1M |
| Active participants, start / end of year | 1,740 / 3,739 |
| Participants with account balances | 1,248 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Morgan Stanley Capital Management, | $73,557 reported compensation |
| Fidelity Investments Institutional | $54,788 reported compensation |
| Cliftonlarsonallen LLP | $15,750 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008164256NAL0006147505001, received 2025-10-08, EIN 26-0373451, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.