Outrigger Hotels Hawaii 401(k) Review & Grade
Outrigger Hotels Hawaii Profit Sharing and Retirement Savings Plan
Honolulu, HIAccommodation & Food Services1,580 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,678Employer $ per active participant
$5,218Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$162.7MNet plan assets, end of year
$67,252Average balance per account
Score breakdown
- Employer generosity47.3 / 5095th percentile for employer $ per participant
- Low cost10.9 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1597th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 44th |
| Employee saving | 97th |
| Peers that auto-enroll | 17% |
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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
- Outrigger Hotels Hawaii put in about $1,678 per active participant, more than the typical peer ($266). 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,650,548 |
| Participant (employee) contributions | $8,244,083 |
| Other contributions (incl. rollovers in) | $1,018,554 |
| Administrative expenses paid from the plan | $428,336 |
| Investment advisory & management fees | $82,000 |
| Benefits paid out | $16,582,927 |
| Net assets, start / end of year | $147.8M / $162.7M |
| Active participants, start / end of year | 1,583 / 1,577 |
| Participants with account balances | 2,419 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Accuity LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $205,757 reported compensation |
| Capfinancial Partners LLC | $82,000 reported compensation |
| Accuity LLP | $25,131 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926154000NAL0010290528001, received 2025-09-26, EIN 99-0241640, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.