Angel of the Winds Casino 401(k) Review & Grade
Angel of the Winds Casino 401(k) Plan
Arlington, WAArts, Entertainment & Recreation683 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,028Employer $ per active participant
$3,387Employee $ saved per active participant
0.37%Direct admin cost, % of plan assets
$21.3MNet plan assets, end of year
$25,624Average balance per account
Score breakdown
- Employer generosity40.4 / 5081th percentile for employer $ per participant
- Low cost8.4 / 2533th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1570th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 33th |
| Employee saving | 70th |
| 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
- Angel of the Winds Casino put in about $2,028 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.
- Direct plan expenses (0.37% 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.
- 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 | $1,385,312 |
| Participant (employee) contributions | $2,313,243 |
| Other contributions (incl. rollovers in) | $17,019 |
| Administrative expenses paid from the plan | $72,326 |
| Contract administrator fees | $27,739 |
| Investment advisory & management fees | $44,587 |
| Benefits paid out | $2,932,356 |
| Net assets, start / end of year | $18.1M / $21.3M |
| Active participants, start / end of year | 648 / 718 |
| Participants with account balances | 833 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $58,662 reported compensation |
| Hunnex and Shoemaker, Inc. | $16,363 reported compensation |
| Empower Advisory Group, LLC | $4,302 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925095038NAL0008378449001, received 2025-09-25, EIN 56-2439950, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.