Historic Tours of America, Inc 401(k) Review & Grade
H.t.a. Cast Retirement Plan
ST. Augustine, FLArts, Entertainment & Recreation862 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$149Employer $ per active participant
$2,206Employee $ saved per active participant
0.45%Direct admin cost, % of plan assets
$18.8MNet plan assets, end of year
$19,326Average balance per account
Score breakdown
- Employer generosity4.5 / 509th percentile for employer $ per participant
- Low cost6.6 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1546th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score21 / 100 · Grade F
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 26th |
| Employee saving | 46th |
| Peers that auto-enroll | 38% |
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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
- Historic Tours of America put in about $149 per active participant, below the typical peer ($995). 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 (0.45% 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 | $128,534 |
| Participant (employee) contributions | $1,901,448 |
| Other contributions (incl. rollovers in) | $2,662 |
| Administrative expenses paid from the plan | $78,761 |
| Investment advisory & management fees | $34,828 |
| Benefits paid out | $1,798,433 |
| Net assets, start / end of year | $16.1M / $18.8M |
| Active participants, start / end of year | 871 / 853 |
| Participants with account balances | 971 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Citrin Cooperman & Company, LLP |
Largest service providers (Schedule C)
| Ingham & Company | $74,729 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013130211NAL0000626899001, received 2025-10-13, EIN 59-2512154, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.