Kansas City Royals Baseball Club, LLC 401(k) Review & Grade
Kansas City Royals Baseball Club, LLC 401(k) Plan
Kansas City, MOArts, Entertainment & Recreation1,364 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,902Employer $ per active participant
$1,875Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$47.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity39.3 / 5079th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving6.0 / 1540th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score46 / 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 | 79th |
| Lower admin cost | 44th |
| Employee saving | 40th |
| 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
Auditor concern: the independent auditor gave a qualified or adverse opinion.
Corrective distributions: the plan refunded $125,628 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Kansas City Royals Baseball Club put in about $1,902 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.
- 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 | $2,594,637 |
| Participant (employee) contributions | $2,557,594 |
| Other contributions (incl. rollovers in) | $469,259 |
| Administrative expenses paid from the plan | $121,225 |
| Contract administrator fees | $121,225 |
| Benefits paid out | $3,055,467 |
| Net assets, start / end of year | $40.4M / $47.9M |
| Active participants, start / end of year | 1,314 / 1,414 |
| Participants with account balances | 520 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pickett, Chaney & Mcmullen LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $121,225 reported compensation |
| Creative Planning, Inc. | $33,800 reported compensation |
| Creative Planning, LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009163216NAL0016647474001, received 2025-10-09, EIN 43-0902508, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.