Baltimore Orioles Limited Partnership 401(k) Review & Grade
Baltimore Orioles Limited Partnership Profit Sharing & Savings Plan
Baltimore, MDArts, Entertainment & Recreation1,301 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$454Employer $ per active participant
$2,472Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$46.9MNet plan assets, end of year
$66,474Average balance per account
Score breakdown
- Employer generosity15.2 / 5030th percentile for employer $ per participant
- Low cost11.8 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving7.9 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 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 | 30th |
| Lower admin cost | 47th |
| Employee saving | 53th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $102 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Baltimore Orioles Limited Partnership put in about $454 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.
- 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 | $590,764 |
| Participant (employee) contributions | $3,215,460 |
| Other contributions (incl. rollovers in) | $20,047 |
| Administrative expenses paid from the plan | $107,166 |
| Contract administrator fees | $43,849 |
| Investment advisory & management fees | $44,895 |
| Benefits paid out | $1,433,123 |
| Net assets, start / end of year | $38.7M / $46.9M |
| Active participants, start / end of year | 1,205 / 1,397 |
| Participants with account balances | 706 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Newport Group, Inc. | $51,747 reported compensation |
| PNC Institutional Asset Management | $42,629 reported compensation |
| Newport Trust Company | $12,789 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260129171630NAL0003640531001, received 2026-01-29, EIN 52-1837282, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.