Ydsp Entertainment DBA Speaking Rock Entertainment Center 401(k) Review & Grade
Ydsp Entertainment DBA Speaking Rock Entertainment Center 401(k) Plan
El Paso, TXArts, Entertainment & Recreation529 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,853Employer $ per active participant
$2,229Employee $ saved per active participant
1.01%Direct admin cost, % of plan assets
$14.4MNet plan assets, end of year
$23,997Average balance per account
Score breakdown
- Employer generosity38.2 / 5076th percentile for employer $ per participant
- Low cost1.6 / 256th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1547th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score54 / 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 | 76th |
| Lower admin cost | 6th |
| Employee saving | 47th |
| 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
Corrective distributions: the plan refunded $3,618 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ydsp Entertainment DBA Speaking Rock Entertainment Center put in about $1,853 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.
- Direct plan expenses (1.01% 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 | $980,066 |
| Participant (employee) contributions | $1,178,882 |
| Other contributions (incl. rollovers in) | $25,474 |
| Administrative expenses paid from the plan | $135,729 |
| Investment advisory & management fees | $36,667 |
| Benefits paid out | $1,392,079 |
| Net assets, start / end of year | $12.3M / $14.4M |
| Active participants, start / end of year | 528 / 530 |
| Participants with account balances | 602 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lauterbach Borschow CPA |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $99,062 reported compensation |
| M Holdings Securities, Inc. | $36,667 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002095008NAL0000288529001, received 2025-10-02, EIN 61-1774403, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.