Fort Mcdowell Yavapai Nation 401(k) Review & Grade
Fort Mcdowell Yavapai Nation Retirement Plan
Fountain Hills, AZArts, Entertainment & Recreation1,216 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,851Employer $ per active participant
$2,939Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$66.1MNet plan assets, end of year
$58,325Average balance per account
Score breakdown
- Employer generosity37.9 / 5076th percentile for employer $ per participant
- Low cost10.0 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1562th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-20 pts2 issues reported on the filing
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 40th |
| Employee saving | 62th |
| Peers that auto-enroll | 38% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($442,083 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Fort Mcdowell Yavapai Nation put in about $1,851 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.
- 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,250,284 |
| Participant (employee) contributions | $3,573,464 |
| Other contributions (incl. rollovers in) | $121,335 |
| Administrative expenses paid from the plan | $195,280 |
| Investment advisory & management fees | $14,218 |
| Other admin expenses | $62,500 |
| Benefits paid out | $8,029,931 |
| Net assets, start / end of year | $61.4M / $66.1M |
| Active participants, start / end of year | 1,244 / 1,188 |
| Participants with account balances | 1,134 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Redw LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $118,747 reported compensation |
| Capfinancial Partners LLC | $62,500 reported compensation |
| Strategic Advisors, Inc. | $14,218 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260226154919NAL0004466624001, received 2026-02-26, EIN 86-0208930, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.