Texas Roadhouse Management Corp. 401(k) Review & Grade
Texas Roadhouse Salaried Employees 401(k) Profit Sharing Plan
Louisville, KYAccommodation & Food Services4,168 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,105Employer $ per active participant
$4,796Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$148.9MNet plan assets, end of year
$32,045Average balance per account
Score breakdown
- Employer generosity49.0 / 5098th percentile for employer $ per participant
- Low cost19.0 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving14.7 / 1598th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 2,500–9,999 active participants (104 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 76th |
| Employee saving | 98th |
| 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
- Texas Roadhouse Management put in about $2,105 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 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 | $8,774,068 |
| Participant (employee) contributions | $19,989,579 |
| Other contributions (incl. rollovers in) | $1,018,095 |
| Administrative expenses paid from the plan | $71,704 |
| Contract administrator fees | $900 |
| Investment advisory & management fees | $41,490 |
| Benefits paid out | $9,633,235 |
| Net assets, start / end of year | $111.5M / $148.9M |
| Active participants, start / end of year | 3,912 / 4,424 |
| Participants with account balances | 4,647 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Dean Dorton Allen Ford PLLC |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $41,490 reported compensation |
| Fidelity Investments Institutional | $30,214 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250826131941NAL0008542785001, received 2025-08-26, EIN 61-1316260, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.