Hilton Resorts Corporation 401(k) Review & Grade
HGV Retirement Savings Plan
Orlando, FLAccommodation & Food Services14,802 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,671Employer $ per active participant
$4,869Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$705.6MNet plan assets, end of year
$34,937Average balance per account
Score breakdown
- Employer generosity50.0 / 50100th percentile for employer $ per participant
- Low cost4.4 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving15.0 / 15100th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Accommodation & Food Services plans with 10,000+ active participants (41 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 18th |
| Employee saving | 100th |
| Peers that auto-enroll | 24% |
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Red flags from the filing
Corrective distributions: the plan refunded $7,204 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Hilton Resorts put in about $2,671 per active participant, more than the typical peer ($393). 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.
- Direct plan expenses (0.20% of assets) are well above similar-size plans (0.09%). 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 | $39,536,949 |
| Participant (employee) contributions | $72,071,634 |
| Other contributions (incl. rollovers in) | $112,605,937 |
| Administrative expenses paid from the plan | $1,203,838 |
| Contract administrator fees | $1,500 |
| Other admin expenses | $83,307 |
| Benefits paid out | $78,615,630 |
| Net assets, start / end of year | $481.3M / $705.6M |
| Active participants, start / end of year | 11,773 / 17,831 |
| Participants with account balances | 20,197 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmith Brown PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $1,042,320 reported compensation |
| Capfinancial Partners LLC | $83,811 reported compensation |
| Alston & Bird LLP | $49,297 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250914131011NAL0000340737001, received 2025-09-14, EIN 95-4349751, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.