Century Casino, Inc. 401(k) Review & Grade
Century Casino, Inc. 401(k) Savings & Retirement Plan
Colorado Springs, COArts, Entertainment & Recreation2,002 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,198Employer $ per active participant
$2,505Employee $ saved per active participant
0.59%Direct admin cost, % of plan assets
$49.6MNet plan assets, end of year
$18,750Average balance per account
Score breakdown
- Employer generosity28.3 / 5057th percentile for employer $ per participant
- Low cost4.5 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving8.1 / 1554th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score48 / 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 | 57th |
| Lower admin cost | 18th |
| Employee saving | 54th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $304 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Century Casino put in about $1,198 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.
- Direct plan expenses (0.59% 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.
- 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 | $2,396,819 |
| Participant (employee) contributions | $5,013,473 |
| Other contributions (incl. rollovers in) | $433,734 |
| Administrative expenses paid from the plan | $270,057 |
| Investment advisory & management fees | $173,385 |
| Benefits paid out | $5,643,159 |
| Net assets, start / end of year | $42.5M / $49.6M |
| Active participants, start / end of year | 2,313 / 1,690 |
| Participants with account balances | 2,647 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Brock and Company Cpa's P.C. |
Largest service providers (Schedule C)
| Resources Investment Advisors, Inc. | $173,385 reported compensation |
| Adp, Inc. | $96,672 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009050327NAL0003359235001, received 2025-10-09, EIN 84-1271317, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.