Campero, Inc. 401(k) Review & Grade
Campero 401(k) Plan
Dallas, TXAccommodation & Food Services1,564 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$200Employer $ per active participant
$333Employee $ saved per active participant
1.61%Direct admin cost, % of plan assets
$4.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity20.4 / 5041th percentile for employer $ per participant
- Low cost0.6 / 252th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 2th |
| Employee saving | 20th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,091 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Campero put in about $200 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.
- Direct plan expenses (1.61% 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.
- 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 | $312,724 |
| Participant (employee) contributions | $520,626 |
| Other contributions (incl. rollovers in) | $498,676 |
| Administrative expenses paid from the plan | $61,917 |
| Benefits paid out | $361,636 |
| Net assets, start / end of year | $3.2M / $4.5M |
| Active participants, start / end of year | 1,021 / 2,108 |
| Participants with account balances | 129 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250924083200NAL0008995715001, received 2025-09-24, EIN 20-0792807, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.