Cinemark USA, Inc. 401(k) Review & Grade
Cinemark USA, Inc. Plan and Trust
Plano, TXArts, Entertainment & Recreation8,212 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$836Employer $ per active participant
$1,115Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$215.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity16.2 / 5032th percentile for employer $ per participant
- Low cost11.2 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 2,500–9,999 active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 45th |
| Employee saving | 15th |
| Peers that auto-enroll | 43% |
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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
- Cinemark USA put in about $836 per active participant, below the typical peer ($1,107). 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 | $6,862,032 |
| Participant (employee) contributions | $9,159,016 |
| Other contributions (incl. rollovers in) | $1,165,174 |
| Administrative expenses paid from the plan | $292,465 |
| Investment advisory & management fees | $64,018 |
| Benefits paid out | $21,453,396 |
| Net assets, start / end of year | $190.4M / $215.1M |
| Active participants, start / end of year | 8,162 / 8,261 |
| Participants with account balances | 2,795 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Whitley Penn LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $228,447 reported compensation |
| Empower Advisory Group, LLC | $44,018 reported compensation |
| Investment Research & Advisory | $20,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001113714NAL0013158113001, received 2025-10-01, EIN 75-2206284, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.