FC Dallas Soccer, LLC 401(k) Review & Grade
FC Dallas Retirement Plan
Frisco, TXArts, Entertainment & Recreation654 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$418Employer $ per active participant
$1,358Employee $ saved per active participant
0.66%Direct admin cost, % of plan assets
$14.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.5 / 5029th percentile for employer $ per participant
- Low cost3.6 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 14th |
| Employee saving | 30th |
| 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
- FC Dallas Soccer put in about $418 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.
- Direct plan expenses (0.66% 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 | $273,253 |
| Participant (employee) contributions | $887,417 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $87,436 |
| Contract administrator fees | $87,436 |
| Benefits paid out | $1,162,181 |
| Net assets, start / end of year | $12.3M / $14.1M |
| Active participants, start / end of year | 590 / 717 |
| Participants with account balances | 205 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pricekubecka, PLLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $81,705 reported compensation |
| Genos Wealth Management Inc | $41,118 reported compensation |
| Ascensus | $11,538 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013163335NAL0001603569001, received 2025-10-13, EIN 05-0537874, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.