Dallas Cowboys Football Club, LTD. 401(k) Review & Grade
The Capital Accumulation Plan for the Benefit of the Dallas Cowboys
Frisco, TXArts, Entertainment & Recreation856 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,046Employer $ per active participant
$7,416Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$102.3MNet plan assets, end of year
$99,638Average balance per account
Score breakdown
- Employer generosity45.5 / 5091th percentile for employer $ per participant
- Low cost18.9 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1593th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score88 / 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 | 91th |
| Lower admin cost | 76th |
| Employee saving | 93th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Dallas Cowboys Football Club put in about $3,046 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 | $2,605,656 |
| Participant (employee) contributions | $6,344,661 |
| Other contributions (incl. rollovers in) | $269,423 |
| Administrative expenses paid from the plan | $88,048 |
| Benefits paid out | $5,858,277 |
| Net assets, start / end of year | $87.0M / $102.3M |
| Active participants, start / end of year | 849 / 862 |
| Participants with account balances | 1,027 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $88,048 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013091816NAL0000917633001, received 2025-10-13, EIN 75-1959258, plan #011, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.