Colorado Rockies Baseball Club, LTD. 401(k) Review & Grade
Colorado Rockies 401(k) Savings and Investment Plan
Denver, COArts, Entertainment & Recreation604 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,670Employer $ per active participant
$4,404Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$59.9MNet plan assets, end of year
$88,629Average balance per account
Score breakdown
- Employer generosity48.0 / 5096th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 58th |
| Employee saving | 84th |
| Peers that auto-enroll | 38% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($10,926 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Colorado Rockies Baseball Club put in about $4,670 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,820,527 |
| Participant (employee) contributions | $2,659,978 |
| Other contributions (incl. rollovers in) | $179,209 |
| Administrative expenses paid from the plan | $100,133 |
| Investment advisory & management fees | $45,000 |
| Benefits paid out | $4,317,035 |
| Net assets, start / end of year | $51.9M / $59.9M |
| Active participants, start / end of year | 639 / 569 |
| Participants with account balances | 676 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Global Retirement Partners LLC | $45,000 reported compensation |
| Empower Annuity Insurance Company O | $37,037 reported compensation |
| Plante and Moran | $18,096 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009162340NAL0007299409001, received 2025-10-09, EIN 84-1162452, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.