Boston Red Sox Baseball Club Limited Partnership 401(k) Review & Grade
Boston Red Sox Retirement and Savings Plan
Boston, MAArts, Entertainment & Recreation1,306 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,274Employer $ per active participant
$3,570Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$108.2MNet plan assets, end of year
$142,021Average balance per account
Score breakdown
- Employer generosity46.0 / 5092th percentile for employer $ per participant
- Low cost23.9 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 95th |
| Employee saving | 73th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($143,078 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $283 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Boston Red Sox Baseball Club Limited Partnership put in about $3,274 per active participant, more than the typical peer ($995). 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.
- 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,275,843 |
| Participant (employee) contributions | $4,662,017 |
| Other contributions (incl. rollovers in) | $1,115,572 |
| Administrative expenses paid from the plan | $19,928 |
| Contract administrator fees | $18,990 |
| Investment advisory & management fees | $938 |
| Benefits paid out | $7,366,983 |
| Net assets, start / end of year | $93.6M / $108.2M |
| Active participants, start / end of year | 1,416 / 1,196 |
| Participants with account balances | 762 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars LLP |
Largest service providers (Schedule C)
| John Hancock | $18,990 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015151239NAL0005255937001, received 2025-10-15, EIN 04-2642695, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.