Ecratchit, Inc. 401(k) Review & Grade
Auro Hotels Management, LLC 401(k) Plan
Greenville, SCAccommodation & Food Services1,620 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$418Employer $ per active participant
$966Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$27.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity33.3 / 5067th percentile for employer $ per participant
- Low cost13.7 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score59 / 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 | 67th |
| Lower admin cost | 55th |
| Employee saving | 59th |
| 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.
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
- Ecratchit put in about $418 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 | $677,071 |
| Participant (employee) contributions | $1,563,711 |
| Other contributions (incl. rollovers in) | $78,178 |
| Administrative expenses paid from the plan | $50,431 |
| Contract administrator fees | $15,431 |
| Investment advisory & management fees | $35,000 |
| Benefits paid out | $2,175,176 |
| Net assets, start / end of year | $23.8M / $27.4M |
| Active participants, start / end of year | 1,627 / 1,612 |
| Participants with account balances | 565 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Cap Financial Partners | $35,000 reported compensation |
| The Vanguard Group, Inc. | $15,431 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015102044NAL0004566129001, received 2025-10-15, EIN 04-3523277, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.