Wilderness Hotel & Resort, Inc. 401(k) Review & Grade
Wilderness Hotel & Resort, Inc. Savings Plan
Wisconsin Dells, WIAccommodation & Food Services967 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$845Employer $ per active participant
$1,535Employee $ saved per active participant
0.64%Direct admin cost, % of plan assets
$21.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity42.2 / 5084th percentile for employer $ per participant
- Low cost3.8 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving11.5 / 1576th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 15th |
| Employee saving | 76th |
| Peers that auto-enroll | 17% |
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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
- Wilderness Hotel & Resort put in about $845 per active participant, more than the typical peer ($266). 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 (0.64% 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 | $816,804 |
| Participant (employee) contributions | $1,484,797 |
| Other contributions (incl. rollovers in) | $11,833 |
| Administrative expenses paid from the plan | $124,571 |
| Contract administrator fees | $9,940 |
| Benefits paid out | $970,721 |
| Net assets, start / end of year | $17.4M / $21.2M |
| Active participants, start / end of year | 997 / 937 |
| Participants with account balances | 47 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sva Certified Public Accountants |
Largest service providers (Schedule C)
| John Hancock USA | $116,793 reported compensation |
| Premier Retirement Partners | $9,940 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251016133811NAL0003218067001, received 2025-10-16, EIN 39-1804611, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.