Ambassador Theatre Group-North America 401(k) Review & Grade
Ambassador Theatre Group-North America LLC 401(k) Plan
San Antonio, TXArts, Entertainment & Recreation1,346 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$386Employer $ per active participant
$758Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$8.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity13.2 / 5026th percentile for employer $ per participant
- Low cost10.9 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 43th |
| Employee saving | 15th |
| 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 $8 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ambassador Theatre Group-North America put in about $386 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 | $519,974 |
| Participant (employee) contributions | $1,019,601 |
| Other contributions (incl. rollovers in) | $234,580 |
| Administrative expenses paid from the plan | $21,203 |
| Investment advisory & management fees | $18,569 |
| Benefits paid out | $543,304 |
| Net assets, start / end of year | $6.5M / $8.8M |
| Active participants, start / end of year | 1,841 / 850 |
| Participants with account balances | 261 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Calvetti Ferguson LLC |
Largest service providers (Schedule C)
| Wells Fargo | $15,569 reported compensation |
| Adp, Inc. | $2,633 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260623180930NAL0005635763001, received 2026-06-23, EIN 27-1878284, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.