Caesars Entertainment Inc. 401(k) Review & Grade
Caesars Entertainment, Inc 401(k) Plan
Reno, NVArts, Entertainment & Recreation40,809 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$804Employer $ per active participant
$2,864Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$1.9BNet plan assets, end of year
$50,762Average balance per account
Score breakdown
- Employer generosity14.9 / 5030th percentile for employer $ per participant
- Low cost15.8 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score43 / 100 · Grade D
This plan vs. peers
Peers: all industries, plans with 10,000+ active participants (fewer than 30 industry peers) (820 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 63th |
| Employee saving | 35th |
| Peers that auto-enroll | 50% |
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Red flags from the filing
Corrective distributions: the plan refunded $22,460 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Caesars Entertainment put in about $804 per active participant, below the typical peer ($2,229). 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.
- 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 | $32,829,719 |
| Participant (employee) contributions | $116,886,027 |
| Other contributions (incl. rollovers in) | $7,886,365 |
| Administrative expenses paid from the plan | $1,178,315 |
| Investment advisory & management fees | $450,000 |
| Benefits paid out | $223,474,722 |
| Net assets, start / end of year | $1.8B / $1.9B |
| Active participants, start / end of year | 46,859 / 34,759 |
| Participants with account balances | 38,214 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $578,653 reported compensation |
| World Investment Advisors LLC | $450,000 reported compensation |
| Deloitte & Touche LLP | $148,942 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250902172934NAL0014618657001, received 2025-09-02, EIN 46-3657681, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.