Alabama Coushatta Tribe of Texas 401(k) Review & Grade
Alabama Coushatta Retirement Plan
Livingston, TXAdministrative, Support & Staffing Services662 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,578Employer $ per active participant
$2,774Employee $ saved per active participant
0.76%Direct admin cost, % of plan assets
$18.5MNet plan assets, end of year
$25,110Average balance per account
Score breakdown
- Employer generosity42.8 / 5086th percentile for employer $ per participant
- Low cost2.7 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving9.0 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 11th |
| Employee saving | 60th |
| Peers that auto-enroll | 27% |
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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
- Alabama Coushatta Tribe of Texas put in about $2,578 per active participant, more than the typical peer ($712). 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.
- Direct plan expenses (0.76% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,706,875 |
| Participant (employee) contributions | $1,836,351 |
| Other contributions (incl. rollovers in) | $35,492 |
| Administrative expenses paid from the plan | $128,846 |
| Contract administrator fees | $128,846 |
| Benefits paid out | $1,814,581 |
| Net assets, start / end of year | $15.3M / $18.5M |
| Active participants, start / end of year | 650 / 674 |
| Participants with account balances | 736 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cri - Carr, Riggs & Ingram |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $128,845 reported compensation |
| Cetera Investment Advisors LLC | $15,484 reported compensation |
| Cetera Advisors LLC | $13,559 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015211331NAL0005615313001, received 2025-10-15, EIN 74-1381437, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.