Gila River Gaming Enterprises, Inc. 401(k) Review & Grade
Gila River Gaming Enterprises, Inc. 401k Plan and Trust
Chandler, AZArts, Entertainment & Recreation3,118 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,890Employer $ per active participant
$3,347Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$138.8MNet plan assets, end of year
$42,049Average balance per account
Score breakdown
- Employer generosity36.8 / 5074th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 2,500–9,999 active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 61th |
| Employee saving | 59th |
| Peers that auto-enroll | 43% |
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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
- Gila River Gaming Enterprises put in about $1,890 per active participant, more than the typical peer ($1,107). 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 | $5,891,562 |
| Participant (employee) contributions | $10,434,470 |
| Other contributions (incl. rollovers in) | $468,877 |
| Administrative expenses paid from the plan | $113,719 |
| Contract administrator fees | $113,719 |
| Benefits paid out | $12,784,662 |
| Net assets, start / end of year | $119.0M / $138.8M |
| Active participants, start / end of year | 3,089 / 3,147 |
| Participants with account balances | 3,300 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Moss Adams |
Largest service providers (Schedule C)
| John Hancock | $113,719 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010144021NAL0004711587001, received 2025-10-10, EIN 86-0760002, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.