WSH Parent Fitness LLC 401(k) Review & Grade
WSH Parent Fitness LLC
Englewood, CORetail Trade962 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500-SF filing · How we grade
$52Employer $ per active participant
$79Employee $ saved per active participant
0.51%Direct admin cost, % of plan assets
$628,359Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.2 / 508th percentile for employer $ per participant
- Low cost5.7 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving0.1 / 150th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score17 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 23th |
| Employee saving | 0th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $40 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- WSH Parent Fitness put in about $52 per active participant, below the typical peer ($743). 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.
- Direct plan expenses (0.51% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $49,791 |
| Participant (employee) contributions | $76,038 |
| Other contributions (incl. rollovers in) | $837 |
| Administrative expenses paid from the plan | $2,743 |
| Benefits paid out | $14,570 |
| Net assets, start / end of year | $451,932 / $628,359 |
| Active participants, start / end of year | 919 / 1,005 |
| Participants with account balances | 199 |
| Auto-enrollment (feature code 2S) | Yes |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20260511105118NAL0006976480001, received 2026-05-11, EIN 82-4982716, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.