Ak-Chin Indian Community 401(k) Review & Grade
Ak-Chin Indian Community 401(k) Retirement Savings Plan
Maricopa, AZAgriculture, Forestry, Fishing & Hunting520 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$431Employer $ per active participant
$1,472Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$15.2MNet plan assets, end of year
$46,420Average balance per account
Score breakdown
- Employer generosity14.5 / 5029th percentile for employer $ per participant
- Low cost14.2 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 57th |
| Employee saving | 42th |
| Peers that auto-enroll | 36% |
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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
- Ak-Chin Indian Community put in about $431 per active participant, below the typical peer ($774). 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 | $223,948 |
| Participant (employee) contributions | $765,382 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $26,407 |
| Contract administrator fees | $5,535 |
| Benefits paid out | $890,983 |
| Net assets, start / end of year | $13.6M / $15.2M |
| Active participants, start / end of year | 517 / 523 |
| Participants with account balances | 327 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Sovereign Investment Advisors | $53,939 reported compensation |
| Independent Retirement Consulting | $35,316 reported compensation |
| Empower Annuity Insurance of Americ | $13,247 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002154955NAL0001604450001, received 2025-10-02, EIN 86-0148433, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.