Table 301, Inc. 401(k) Review & Grade

Table 301, Inc. 401(k) Plan

Greenville, SCAccommodation & Food Services862 active participantsPlan year 2024

Estimate from the plan's Form 5500-SF filing · How we grade

$164Employer $ per active participant

$253Employee $ saved per active participant

$0 reportedDirect admin cost, % of plan assets

$1.8MNet plan assets, end of year

–Average balance per account (account count looks misreported)

Score breakdown

Employer generosity17.9 / 50
36th percentile for employer $ per participant
Low cost12.5 / 25
No direct expenses reported, scored neutral
Employee saving2.2 / 15
14th percentile for employee $ per participant
Plan features3 / 10
Default investment
Red-flag deductions-3 pts
1 issue reported on the filing

Total score33 / 100 · Grade D

This plan vs. peers

Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).

Measure	Percentile
Employer $ per participant	36th
Lower admin cost	neutral
Employee saving	14th
Peers that auto-enroll	17%

Get the monthly 401(k) report card

The best and worst plans, new grades as filings post. One email a month, no spam.

Or subscribe here →

Red flags from the filing

Corrective distributions: the plan refunded $19,114 in contributions, which usually means it failed annual nondiscrimination testing.

What to do if you're in this plan

Table 301 put in about $164 per active participant, below the typical peer ($266). 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.
The plan reported no administrative expenses paid from plan assets. The employer may pay them, or the costs may be built into fund fees. Check your 404(a)(5) fee disclosure for each fund's expense ratio.
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	$140,963
Participant (employee) contributions	$218,167
Other contributions (incl. rollovers in)	$85,932
Administrative expenses paid from the plan	$0
Benefits paid out	$91,547
Net assets, start / end of year	$1.2M / $1.8M
Active participants, start / end of year	793 / 931
Participants with account balances	90
Auto-enrollment (feature code 2S)	Not reported

Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20251028134059NAL0017532066001, received 2025-10-28, EIN 54-2097207, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.