Agua Caliente Band of Cahuilla Indians 401(k) Review & Grade
Agua Caliente Band of Cahuilla Indians/spa Hotel & Casino 401(k) Plan
Palm Springs, CAOther Services3,046 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$820Employer $ per active participant
$2,828Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$98.8MNet plan assets, end of year
$42,646Average balance per account
Score breakdown
- Employer generosity22.0 / 5044th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving7.3 / 1549th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 2,500–9,999 active participants (42 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 53th |
| Employee saving | 49th |
| Peers that auto-enroll | 45% |
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Red flags from the filing
Corrective distributions: the plan refunded $21,335 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Agua Caliente Band of Cahuilla Indians put in about $820 per active participant, below the typical peer ($1,132). 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 | $2,499,107 |
| Participant (employee) contributions | $8,615,209 |
| Other contributions (incl. rollovers in) | $286,037 |
| Administrative expenses paid from the plan | $102,528 |
| Benefits paid out | $8,032,185 |
| Net assets, start / end of year | $83.6M / $98.8M |
| Active participants, start / end of year | 3,015 / 3,078 |
| Participants with account balances | 2,316 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Carlsen & Ferris, Apc |
Largest service providers (Schedule C)
| Transamerica Life Insurance Company | $81,028 reported compensation |
| Carlsen & Ferris, Apc | $21,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911134601NAL0000434096002, received 2025-09-11, EIN 95-2549724, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.