Calif Commerce Club, Inc. DBA Commerce Casino 401(k) Review & Grade
The California Commerce Club, Inc. Retirement Savings Plan
Commerce, CAArts, Entertainment & Recreation1,970 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$708Employer $ per active participant
$4,241Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$134.7MNet plan assets, end of year
$106,874Average balance per account
Score breakdown
- Employer generosity19.2 / 5038th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving12.4 / 1583th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 59th |
| Employee saving | 83th |
| 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
- Calif Commerce Club, Inc. DBA Commerce Casino put in about $708 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 | $1,394,901 |
| Participant (employee) contributions | $8,356,391 |
| Other contributions (incl. rollovers in) | $150,035 |
| Administrative expenses paid from the plan | $217,876 |
| Contract administrator fees | $152,308 |
| Investment advisory & management fees | $65,568 |
| Benefits paid out | $10,297,173 |
| Net assets, start / end of year | $121.0M / $134.7M |
| Active participants, start / end of year | 1,939 / 2,002 |
| Participants with account balances | 1,260 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubinbrown |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $152,270 reported compensation |
| NFP Retirement, Inc. | $87,424 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923151449NAL0007021328001, received 2025-09-23, EIN 95-3757220, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.