Osi Restaurant Partners, LLC 401(k) Review & Grade
Osi Restaurant Partners, LLC Salaried Employees 401(k) Plan and Trust
Tampa, FLAccommodation & Food Services4,840 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,178Employer $ per active participant
$2,427Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$194.9MNet plan assets, end of year
$43,391Average balance per account
Score breakdown
- Employer generosity45.6 / 5091th percentile for employer $ per participant
- Low cost11.5 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving13.4 / 1589th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 2,500–9,999 active participants (104 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 46th |
| Employee saving | 89th |
| Peers that auto-enroll | 15% |
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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 ($189 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
- Osi Restaurant Partners put in about $1,178 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.
- 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.
- 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 | $5,701,160 |
| Participant (employee) contributions | $11,746,403 |
| Other contributions (incl. rollovers in) | $673,330 |
| Administrative expenses paid from the plan | $260,068 |
| Investment advisory & management fees | $100,342 |
| Benefits paid out | $23,962,733 |
| Net assets, start / end of year | $176.8M / $194.9M |
| Active participants, start / end of year | 4,786 / 4,894 |
| Participants with account balances | 4,491 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $131,724 reported compensation |
| Capfinancial Partners, LLC. | $69,065 reported compensation |
| Strategic Advisors, Inc. | $31,277 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250822112717NAL0005247569001, received 2025-08-22, EIN 59-3061413, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.