Hotels and restaurants 401(k) plans
The median 401(k) plan at hotels and restaurants paid $54.65 per participant per year in plan-paid administrative fees, computed from 1,246 of the 1,305 hotels and restaurants plans published here, form year 2024.
Computed from DOL EFAST2 Form 5500 bulk data, not surveys. The 57,824 plans published so far are a subset of the 57,824 large plans in the form-year-2024 data, so this median describes the published subset, not the whole industry.
$54.65
Median plan-paid administrative cost per participant per year among 1,246 hotels and restaurants plans with usable fee data, form year 2024.
$67.52 below the $122.17 median across all published plans.
How do hotels and restaurants 401(k) fees compare?
Hotels and restaurants median$54.65
All published plans$122.17
Plan size drives fees more than industry does: bigger plans pay less per head. See median fees by plan size before reading an industry gap as an industry effect.
103 of the biggest hotels and restaurants 401(k) plans
| Plan | Sponsor | Active participants | Assets | Fee ($) |
|---|---|---|---|---|
| Compass Group Retirement Plan | Compass Group USA, Inc. | 292,038 | $2.5B | 18.83 |
| Darden Savings Plan | Darden Restaurants, Inc. | 197,946 | $1.6B | 8.05 |
| Culinary And Bartenders 401(k) Plan | Trustees Of The Culinary And Bartenders 401(k) Trust | 126,444 | $246.1M | 5.37 |
| Marriott Retirement Savings Plan | Marriott International, Inc. | 114,079 | $11.7B | 38.58 |
| Sodexo 401 (K) Employees' Retirement Savings Plan And Trust | Sodexo, Inc. | 107,164 | $2.4B | 68.97 |
| Chipotle Mexican Grill, Inc. 401(k) Plan | Chipotle Mexican Grill, Inc. | 94,731 | $292.8M | 9.03 |
| Aramark Hourly 401(k) Plan | Aramark Services, Inc. Retirement Benefits | 92,914 | $251.9M | 8.88 |
| Panda Retirement Plan | Panda Restaurant Group, Inc. | 56,227 | $609.8M | 17.41 |
| Cracker Barrel Old Country Store, Inc. And Affiliates Employee Savings Plan | Cracker Barrel Old Country Store, Inc. | 55,974 | $225.3M | 8.03 |
| Brinker International 401(k) Savings Plan | Brinker International, Inc. | 50,716 | $494.7M | 15.10 |
| Inspire Brands, Inc. 401(k) Retirement Plan | Irb Holding Corporation | 43,639 | $596.4M | 14.80 |
| Aimbridge Parent, Inc. 401(k) Plan | Aimbridge Parent, Inc. | 41,368 | $470.1M | 10.71 |
| Whataburger 401(k) Savings Plan | Whataburger Restaurants LLC | 39,507 | $262.0M | 30.15 |
| Hyatt Corporation Retirement Savings Plan | Hyatt Corporation | 36,196 | $2.5B | 26.72 |
| New York Hotel Trades Council & Hotel Association Of New York City, Inc. 401(k) Savings Plan | The Board Of Trustees | 26,060 | $813.1M | 46.95 |
| Restaurant Brands International Savings Plan | Restaurant Brands International | 25,844 | $192.5M | 6.86 |
| Raising Cane's Retirement Savings Plan | Raising Cane's USA, LLC | 25,642 | $108.4M | 3.47 |
| Panera Bread Company 401(k) Retirement Savings Plan | Panera Bread Company | 25,092 | $285.0M | 15.52 |
| Flynn Restaurant Group 401(k) Retirement Plan | Flynn Restaurant Group Lp | 24,677 | $118.5M | 16.62 |
| Mcdonald's Corporation 401(k) Plan | Mcdonalds Corporation And Subsidiaries | 24,044 | $3.7B | 53.75 |
| Yum Brands 401(k) Plan | Yum Brands, Inc. | 22,667 | $989.8M | 50.03 |
| In-N-Out Burger Associates' Profit Sharing Plan | In-N-Out Burger, Inc. | 21,337 | $947.3M | 9.00 |
| Pyramid Advisors 401(k) Plan | Pyramid Advisors Limited Partnership | 21,328 | $246.8M | 28.44 |
| Aramark Retirement Savings Plan For Salaried Employees | Aramark Retirement Savings Plan For Salaried Employees | 21,039 | $1.4B | 28.58 |
| HGV Retirement Savings Plan | Hilton Resorts Corporation | 17,831 | $705.6M | 83.22 |
| HMSHost Hudson 401(k) Retirement Savings Plan | Host International, Inc. | 17,622 | $484.6M | 38.89 |
| First Watch 401(k) Savings Plan | First Watch Restaurants, Inc. | 16,478 | $38.5M | 11.36 |
| Legends 401(k) Profit Sharing Plan | Legends Hospitality, LLC | 16,236 | $105.8M | 3.44 |
| Omni Hotels 401(k) Retirement Savings Plan | Omni Hotels Management Corporation | 16,009 | $258.1M | 21.67 |
| Boyd Gaming Corporation 401(k) Plan And Trust | Boyd Gaming Corporation | 14,818 | $537.1M | 31.76 |
| Travel + Leisure Co. Employee Savings Plan | Travel + Leisure Co. | 14,239 | $962.9M | 54.75 |
| Bob Evans Restaurants, LLC 401(k) Retirement Plan | Bob Evans Restaurants, LLC | 13,854 | $102.7M | 17.23 |
| Avis Budget Group, Inc. Employee Savings Plan | Avis Budget Group, Inc. | 13,652 | $718.2M | 38.59 |
| P.F. Chang's China Bistro, Inc. 401(k) Plan | P.F. Chang's China Bistro, Inc. | 13,424 | $50.1M | 12.50 |
| Sky Chefs, Inc. Moneysmart 401(k) Savings And Retirement Plan | Sky Chefs, Inc. | 12,486 | $256.7M | 30.85 |
| Elior, Inc. 401(k) Plan | Elior, Inc. | 12,313 | $102.0M | 37.68 |
| BJ's Restaurants, Inc. 401(k) Plan | BJ's Restaurants, Inc. | 11,963 | $44.7M | 12.72 |
| The Hersha Hospitality Management 401(k) Plan | Hersha Hospitality Management, L.P. | 11,635 | $73.5M | 9.25 |
| Ihg 401(k) Savings And Retirement Plan | Six Continents Hotels, Inc. | 11,055 | $1.1B | 34.27 |
| Meritage Hospitality Group 401(k) | Meritage Hospitality Group | 10,966 | $7.0M | 12.93 |
| Highgate Hotels 401(k) Plan | Highgate Hotels, L.P. | 10,667 | $171.0M | 50.84 |
| Checkers Drive-In Restaurants, Inc. 401(k) Plan | Checkers Drive-In Restaurants, Inc. | 10,659 | $6.8M | 2.57 |
| Davidson Hospitality Group 401(k) Plan | Davidson Hotel Company, LLC | 10,534 | $106.9M | 38.77 |
| Cava Group, Inc. 401(k) Plan | Cava Holding Company, A Delaware Corporation | 10,469 | $18.4M | 33.74 |
| Hei Hotels And Resorts 401(k) Plan | Merritt Hospitality LLC | 10,066 | $198.2M | 42.91 |
| The Wendy's Company 401(k) Retirement Plan | The Wendy's Company | 9,652 | $294.0M | 28.48 |
| Portillo's Hot Dogs, LLC 401(k) Plan | Portillo's Hot Dogs, LLC | 9,636 | $27.5M | 2.05 |
| Anchor Point Management Group Employee Benefit Plan | Anchor Point Management Group, LLC | 9,415 | $22.4M | 19.12 |
| Domino's Pizza 401(k) Savings Plan | Domino's Pizza LLC | 9,387 | $461.4M | 34.13 |
| Lazy Dog 401(k) Plan | Lazy Dog Restaurants, LLC | 9,266 | $9.3M | 5.01 |
| Kbp Brands 401(k) Plan | Kbp Brands, LLC | 9,238 | $18.9M | 22.43 |
| Chick-Fil-A, Inc. 401(k) Plan | Chick-Fil-A, Inc. | 8,828 | $1.1B | 35.68 |
| Venetian Las Vegas Gaming, LLC 401(k) Plan | Venetian Las Vegas Gaming, LLC | 8,683 | $468.7M | 72.99 |
| Gate Gourmet, Inc. Bargained Employees' 401(k) Plan | Gate Gourmet, Inc. | 8,359 | $58.9M | 16.53 |
| Southwest Foodservice Excellence 401(k) Plan | Sfe Intermediate Holdco, LLC. | 8,163 | $12.5M | 34.55 |
| Metz Culinary Management, LLC 401(k) Plan | Metz Culinary Management, LLC | 8,079 | $35.1M | 19.42 |
| Concord Hospitality Enterprises Company, LLC 401(k) Plan | Concord Hospitality Enterprises Company, LLC | 8,068 | $73.8M | 35.24 |
| Spb Hospitality LLC Retirement Savings Plan | Spb Hospitality LLC | 7,917 | $16.2M | 15.75 |
| Eat'n Park Hospitality Group 401(k) Retirement Plan | Eat'n Park Hospitality Group | 7,866 | $90.2M | 34.16 |
| Cooper's Hawk Intermediate Holding, LLC 401(k) Plan | Cooper's Hawk Intermediate Holding, LLC | 7,794 | $27.0M | 20.40 |
| Accor 401(k) Plan | Accor Management US, Inc. | 7,617 | $372.9M | 91.70 |
| Ashford Hospitality Services 401(k) Savings Plan | Remington Hotels, LLC | 7,595 | $90.0M | 37.86 |
| Doherty Group, Inc. 401(k) And Retirement Savings Plan | The Doherty Group, Inc. | 7,472 | $40.6M | 30.09 |
| Flanigan's 401(k) Plan | Flanigans Enterprises, Inc. | 7,423 | $14.5M | 1.18 |
| Hotel Union And Hotel Industry Of Hawaii 401(k) Retirement Savings Plan | Hotel 401(k) Retirement Savings Plan | 7,334 | $171.3M | 44.72 |
| Caribou Coffee Company, Inc. And Subsidiaries 401(k) Plan | Caribou Coffee Company, Inc. | 7,328 | $46.3M | 13.61 |
| Boyne Resorts 401(k) Retirement Plan | Boyne USA, Inc. | 7,305 | $80.4M | 50.49 |
| Esa Management, LLC 401(k) Plan | Esa Management, LLC | 7,288 | $80.9M | 50.45 |
| Akash Management LLC 401(k) Profit Sharing Plan & Trust | Akash Management LLC | 7,246 | $1.9M | 0.61 |
| Manna Development Group, LLC 401(k) Plan | Manna Development Group, LLC | 6,915 | $18.0M | 42.36 |
| Sonesta International Hotels Corporation And Subsidiaries 401(k) Plan | Sonesta International Hotels Corporation | 6,570 | $157.1M | 69.91 |
| Earl Enterprises Retirement Savings Plan | Earl Enterprises Corporate, LLC | 6,561 | $33.1M | 20.95 |
| California Pizza Kitchen, Inc. Retirement Savings Plan | California Pizza Kitchen, Inc. | 6,505 | $26.9M | 20.40 |
| Jack In The Box Inc. Easysaver Plus Plan | Jack In The Box Inc. | 6,180 | $145.0M | 15.04 |
| Sscp Management Group 401(k) Plan | Sscp Management, Inc. | 6,161 | $7.7M | 7.69 |
| Shake Shack Retirement Plan | Shake Shack Enterprises, LLC | 6,120 | $45.5M | 24.72 |
| Sage 401(k) Retirement & Savings Plan | Sage Hospitality Resources, LLC | 6,053 | $81.3M | 47.17 |
| Jfc America 401(k) Plan | Jollibee Foods Corporation (USA) | 5,913 | $56.6M | 37.65 |
| Schulte Hospitality Group, Inc. 401(k) Plan | Schulte Hospitality Group, Inc. | 5,821 | $45.9M | 29.10 |
| Hospitality Industry 401(k) Plan | Board Of Trustees Hospitality Industry 401(k) Plan | 5,781 | $54.1M | 38.98 |
| Lettuce Entertain You Employee Savings Plan | Lettuce Entertain You Enterprises, Inc. | 5,751 | $66.7M | 35.05 |
| Jim N Nicks 401(k) Plan | Jim N Nicks Management LLC | 5,739 | $7.7M | 30.13 |
| Restaurant Growth Services, LLC 401(k) Plan | Restaurant Growth Services, LLC | 5,690 | $78.0M | 55.32 |
| Mission Bbq 401(k) Plan | Mission Bbq Management, LLC | 5,627 | $3.2M | 2.01 |
| Hamra Enterprises Employees 401(k) Plan | Hamra Management Company, L.L.C. | 5,603 | $22.6M | 5.65 |
| Wls 401(k) Plan | White Lodging Services Corporation | 5,483 | $74.2M | 38.84 |
| Atrium Hospitality Lp 401(k) Plan | Atrium Hospitality Lp | 5,471 | $101.5M | 55.73 |
| Eym Group, Inc. 401(k) Retirement Savings Plan | Eym Group, Inc. | 5,456 | $2.5M | 3.31 |
| The Cheesecake Factory Incorporated 401(k) Plan | The Cheesecake Factory Incorporated | 5,427 | $96.9M | 37.52 |
| Crestline Hotels & Resorts, LLC Retirement And Savings Plan | Crestline Hotels & Resorts, LLC | 5,320 | $66.7M | 60.91 |
| Desert De Oro Foods, Inc. 401(k) Plan | Desert De Oro Foods, Inc. | 5,212 | $21.6M | 38.79 |
| Potbelly Sandwich Works 401(k) Plan | Potbelly Sandwich Works, LLC | 5,024 | $22.4M | 33.84 |
| Stonebridge Hospitality Associates, LLC 401(k) Plan | Stonebridge Hospitality Associates, LLC | 5,023 | $22.5M | 25.91 |
| Pmhg 401(k) Plan | Pm Hospitality Strategies, Inc. | 5,016 | $30.8M | 52.80 |
| W.K.S. Restaurant Group 401(k) Plan | W.K.S. Restaurant Corporation | 4,972 | $22.2M | 20.21 |
| The Marcus Corp 401(k) Retirement Savings Plan | The Marcus Corporation | 4,961 | $108.7M | 29.03 |
| Starr Restaurants 401(k) Plan | Starr Restaurant Organization, L.P. | 4,947 | $3.5M | 16.53 |
| Wendy's Of Colorado Springs 401(k) Plan | Wendy's Of Colorado Springs, Inc. | 4,935 | $9.2M | 17.36 |
| Osi Restaurant Partners, LLC Salaried Employees 401(k) Plan And Trust | Osi Restaurant Partners, LLC | 4,894 | $194.9M | 41.19 |
| Zaxby's Franchising, LLC 401(k) Plan | Zaxby's Franchising LLC | 4,894 | $22.5M | 45.47 |
| Hospitality Staffing 401(k) Plan | Hospitality Staffing II LLC | 4,893 | $25.1M | 14.31 |
| Apple Central 401(k) Plan | Apple Central, LLC | 4,867 | $4.5M | 3.68 |
| Ilitch Holdings 401(k) Plan | Ilitch Holdings, Inc. | 4,784 | $307.1M | 112.15 |
All 1,305 hotels and restaurants plans on file are listed below by size, and every one of them is searchable from the home page.
Every Hotels and restaurants plan, by size
The table above is the top of the list. These 8 pages hold all 1,305 plans on file in hotels and restaurants, split by how many people are in them, each ranked by active participants.
- 100 to 499 participants · 587 plans
- 500 to 999 participants · 299 plans
- 1,000 to 4,999 participants · 313 plans
- 5,000 or more participants · 106 plans
Which hotels and restaurants companies disclose their 401(k) match?
For these 4 employers we also read the SEC Form 11-K and extracted the match terms, matched to this industry by the plan’s EIN.
- Darden Restaurants, Inc.
A rate set at the sponsor's discretion on the first 6% of pay (partly disclosed)
- Marriott International, Inc.
40% of the first 7% of pay
- McDonald's Corporation
100% (dollar-for-dollar) of the first 6% of pay
- YUM! Brands, Inc.
100% (dollar-for-dollar) of the first 6% of pay
Which employers count as hotels and restaurants here?
Accommodation and food services (codes 721110 to 722515). Sponsors here include Hilton, Sodexo and McDonald's.
The code is the IRS principal business activity code the sponsor itself puts on Form 5500, line 2d. Medians count only plans whose Schedule H shows a positive plan-paid administrative expense (1,246 of 1,305 plans here). Plan-paid expenses exclude fund expense ratios and employer-paid bills, so every figure is a floor, not the all-in cost. Latest filing in this group received by the DOL July 22, 2026; source dataset last refreshed July 28, 2026. Full methodology
Cite this page
401(k) Monitor, “Hotels and restaurants 401(k) plans: median plan-paid administrative cost per participant”, computed from DOL EFAST2 Form 5500 bulk data, form year 2024.