Houston Astros, LLC 401(k) Review & Grade
Houston Astros, LLC 401k Savings Plan and Trust
Houston, TXArts, Entertainment & Recreation588 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,171Employer $ per active participant
$4,561Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$59.2MNet plan assets, end of year
$93,443Average balance per account
Score breakdown
- Employer generosity48.2 / 5096th percentile for employer $ per participant
- Low cost17.7 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving12.8 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 71th |
| Employee saving | 85th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $580 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Houston Astros put in about $5,171 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.
- 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 | $3,040,762 |
| Participant (employee) contributions | $2,681,913 |
| Other contributions (incl. rollovers in) | $352,260 |
| Administrative expenses paid from the plan | $61,118 |
| Benefits paid out | $2,968,621 |
| Net assets, start / end of year | $48.4M / $59.2M |
| Active participants, start / end of year | 655 / 521 |
| Participants with account balances | 634 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Riley & Company PLLC |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $61,193 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014143408NAL0001552051001, received 2025-10-14, EIN 74-2051157, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.