SDR Restaurants, Inc. 401(k) Review & Grade
The Rardin Companies 401(k) Plan
Jessup, MDAccommodation & Food Services952 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500-SF filing · How we grade
$0Employer $ per active participant
$23Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$21,183Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity0.0 / 500th percentile for employer $ per participant
- Low cost12.3 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving0.0 / 150th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score17 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 0th |
| Lower admin cost | 49th |
| Employee saving | 0th |
| Peers that auto-enroll | 17% |
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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
- This plan reported $0 in employer contributions for 2024. Some employers put their money into a separate plan, so check any other plans listed below and ask HR. If there really is no company money, you still get the tax break. Compare the plan's fees and funds with an IRA before deciding where your next dollar goes.
- 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 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 | $0 |
| Participant (employee) contributions | $21,482 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $50 |
| Benefits paid out | $325 |
| Net assets, start / end of year | $0 / $21,183 |
| Active participants, start / end of year | 0 / 952 |
| Participants with account balances | 39 |
| Auto-enrollment (feature code 2S) | Yes |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250826123105NAL0008704737001, received 2025-08-26, EIN 52-2142847, plan #001, plan year 2024-07-01 to 2024-12-31. Verify at efast.dol.gov.