Lodging Host Hotel Corp 401(k) Review & Grade
Lodging Host Hotel Corp 401(k) Profit Sharing Plan & Trust
Longview, TXProfessional, Scientific & Technical Services531 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$244Employer $ per active participant
$341Employee $ saved per active participant
1.08%Direct admin cost, % of plan assets
$1.7MNet plan assets, end of year
$4,333Average balance per account
Score breakdown
- Employer generosity4.7 / 509th percentile for employer $ per participant
- Low cost1.4 / 256th percentile for low admin cost vs. same-size plans
- Employee saving0.4 / 153th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score12 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 6th |
| Employee saving | 3th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
What to do if you're in this plan
- Lodging Host Hotel put in about $244 per active participant, below the typical peer ($3,082). 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 (1.08% 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.
- 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 | $129,659 |
| Participant (employee) contributions | $181,124 |
| Other contributions (incl. rollovers in) | $2,101 |
| Administrative expenses paid from the plan | $16,622 |
| Contract administrator fees | $10,021 |
| Investment advisory & management fees | $5,741 |
| Benefits paid out | $198,138 |
| Net assets, start / end of year | $1.4M / $1.7M |
| Active participants, start / end of year | 517 / 545 |
| Participants with account balances | 384 |
| Auto-enrollment (feature code 2S) | Yes |
Largest service providers (Schedule C)
| 401k Generation | $5,904 reported compensation |
| Levelized Compensation Advisor | $5,478 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251020141303NAL0000690417001, received 2025-10-20, EIN 75-2037596, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.