Eagle Mountain Casino 401(k) Review & Grade
Eagle Mountain Casino 401(k) Profit Sharing Plan
Porterville, CAArts, Entertainment & Recreation776 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,858Employer $ per active participant
$2,565Employee $ saved per active participant
0.57%Direct admin cost, % of plan assets
$13.4MNet plan assets, end of year
$10,787Average balance per account
Score breakdown
- Employer generosity38.4 / 5077th percentile for employer $ per participant
- Low cost4.8 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 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 | 77th |
| Lower admin cost | 19th |
| Employee saving | 55th |
| 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
- Eagle Mountain Casino put in about $1,858 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 (0.57% 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 | $1,442,671 |
| Participant (employee) contributions | $1,991,974 |
| Other contributions (incl. rollovers in) | $53,844 |
| Administrative expenses paid from the plan | $67,448 |
| Investment advisory & management fees | $5,954 |
| Other admin expenses | $5,528 |
| Benefits paid out | $1,851,945 |
| Net assets, start / end of year | $10.4M / $13.4M |
| Active participants, start / end of year | 737 / 816 |
| Participants with account balances | 1,243 |
| Auto-enrollment (feature code 2S) | Yes |
Largest service providers (Schedule C)
| Mutual of America Sec. Corp LLC | $55,966 reported compensation |
| Wilshire Associates Inc. | $5,954 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014120929NAL0003887248001, received 2025-10-14, EIN 77-0430481, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.