Creative Artists Agency, LLC 401(k) Review & Grade
Creative Artists Agency Retirement Plan
Los Angeles, CAArts, Entertainment & Recreation1,766 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$822Employer $ per active participant
$13,335Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$436.8MNet plan assets, end of year
$163,172Average balance per account
Score breakdown
- Employer generosity21.4 / 5043th percentile for employer $ per participant
- Low cost22.5 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving14.9 / 15100th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score59 / 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 | 43th |
| Lower admin cost | 90th |
| Employee saving | 100th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,351 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Creative Artists Agency put in about $822 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 | $1,451,761 |
| Participant (employee) contributions | $23,549,544 |
| Other contributions (incl. rollovers in) | $2,093,897 |
| Administrative expenses paid from the plan | $170,258 |
| Other admin expenses | $170,258 |
| Benefits paid out | $16,216,672 |
| Net assets, start / end of year | $375.5M / $436.8M |
| Active participants, start / end of year | 1,661 / 1,871 |
| Participants with account balances | 2,677 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Holthouse Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $172,908 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250820153246NAL0001654483001, received 2025-08-20, EIN 33-0675903, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.