Nevada Restaurant Services, Inc. DBA Dotty's 401(k) Review & Grade
Nrsi 401(k) Plan
Las Vegas, NVArts, Entertainment & Recreation2,034 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$291Employer $ per active participant
$601Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$10.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.9 / 5018th percentile for employer $ per participant
- Low cost9.3 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving1.6 / 1511th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score23 / 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 | 18th |
| Lower admin cost | 37th |
| Employee saving | 11th |
| 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
- Nevada Restaurant Services, Inc. DBA Dotty's put in about $291 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.
- 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 | $592,387 |
| Participant (employee) contributions | $1,223,053 |
| Other contributions (incl. rollovers in) | $19,307 |
| Administrative expenses paid from the plan | $30,026 |
| Contract administrator fees | $30,026 |
| Benefits paid out | $694,314 |
| Net assets, start / end of year | $8.0M / $10.1M |
| Active participants, start / end of year | 2,070 / 1,998 |
| Participants with account balances | 405 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Conway, Stuart & Woodbury |
Largest service providers (Schedule C)
| Lincoln National Corp | $21,363 reported compensation |
| The Retirement Advantage, Inc | $8,663 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002181945NAL0000492963001, received 2025-10-02, EIN 88-0322743, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.