Greenbrier Hotel Corporation 401(k) Review & Grade
The Greenbrier Savings and Investment Plan
White Sulphur Springs, WVAccommodation & Food Services636 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$398Employer $ per active participant
$1,066Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$18.5MNet plan assets, end of year
$37,836Average balance per account
Score breakdown
- Employer generosity32.6 / 5065th percentile for employer $ per participant
- Low cost13.8 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving9.6 / 1564th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score46 / 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 | 65th |
| Lower admin cost | 55th |
| Employee saving | 64th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($558,957 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $20,748 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Greenbrier Hotel put in about $398 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $253,465 |
| Participant (employee) contributions | $678,538 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $34,978 |
| Contract administrator fees | $18,602 |
| Benefits paid out | $1,889,585 |
| Net assets, start / end of year | $17.3M / $18.5M |
| Active participants, start / end of year | 678 / 595 |
| Participants with account balances | 490 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Hess, Stewart & Campbell, PLLC |
Largest service providers (Schedule C)
| Newport Group, Inc. | $34,978 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008130347NAL0005580945001, received 2025-10-08, EIN 55-0332133, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.