Peninsula Pacific Entertainment Development, LLC 401(k) Review & Grade
Peninsula Pacific Entertainment Development 401(k) Plan
Lamotte, IAAccommodation & Food Services501 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$339Employer $ per active participant
$1,056Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$3.8MNet plan assets, end of year
$11,568Average balance per account
Score breakdown
- Employer generosity29.1 / 5058th percentile for employer $ per participant
- Low cost13.6 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1563th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 54th |
| Employee saving | 63th |
| 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
- Peninsula Pacific Entertainment Development put in about $339 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.
- 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 | $169,938 |
| Participant (employee) contributions | $528,937 |
| Other contributions (incl. rollovers in) | $2,830 |
| Administrative expenses paid from the plan | $7,228 |
| Investment advisory & management fees | $1,373 |
| Benefits paid out | $633,198 |
| Net assets, start / end of year | $3.4M / $3.8M |
| Active participants, start / end of year | 473 / 529 |
| Participants with account balances | 331 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clifton Larson Allen LLP |
Largest service providers (Schedule C)
| Usi Consulting Group | $5,855 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250815124034NAL0010190659001, received 2025-08-15, EIN 88-2920752, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.