Colville Tribal Federal Corporation 401(k) Review & Grade
Colville Tribal Enterprises Corp. Retirement Plan
Nespelem, WAOther Services644 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,813Employer $ per active participant
$1,434Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$17.5MNet plan assets, end of year
$5,839Average balance per account
Score breakdown
- Employer generosity32.1 / 5064th percentile for employer $ per participant
- Low cost12.5 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 50th |
| Employee saving | 33th |
| Peers that auto-enroll | 40% |
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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
- Colville Tribal Federal put in about $1,813 per active participant, more than the typical peer ($1,257). 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.
- 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 | $1,168,666 |
| Participant (employee) contributions | $923,928 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $37,926 |
| Investment advisory & management fees | $13,800 |
| Benefits paid out | $2,148,115 |
| Net assets, start / end of year | $15.5M / $17.5M |
| Active participants, start / end of year | 633 / 656 |
| Participants with account balances | 2,997 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Alpine Summit Cpas |
Largest service providers (Schedule C)
| Independent Financial Group, LLC | $13,800 reported compensation |
| Matrix Trust Company | $12,095 reported compensation |
| Alpine Summit Cpas | $11,750 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013220704NAL0004283810001, received 2025-10-13, EIN 91-1523072, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.