Raiders Football Club, LLC 401(k) Review & Grade
Las Vegas Raiders 401(k) Retirement Plan
Henderson, NVArts, Entertainment & Recreation944 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$940Employer $ per active participant
$3,391Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$47.6MNet plan assets, end of year
$39,835Average balance per account
Score breakdown
- Employer generosity23.7 / 5047th percentile for employer $ per participant
- Low cost23.6 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 94th |
| Employee saving | 70th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $415 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Raiders Football Club put in about $940 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.
- 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.
- 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 | $887,049 |
| Participant (employee) contributions | $3,199,350 |
| Other contributions (incl. rollovers in) | $494,412 |
| Administrative expenses paid from the plan | $10,627 |
| Other admin expenses | $25 |
| Benefits paid out | $3,786,026 |
| Net assets, start / end of year | $40.8M / $47.6M |
| Active participants, start / end of year | 953 / 934 |
| Participants with account balances | 1,194 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $10,602 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008152248NAL0009689344001, received 2025-10-08, EIN 82-4689128, plan #011, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.