Jackson Rancheria Band of Miwuk Indians 401(k) Review & Grade
Jackson Rancheria Band of Miwuk Indians 401(k) Plan
Jackson, CAArts, Entertainment & Recreation691 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,417Employer $ per active participant
$3,139Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$40.6MNet plan assets, end of year
$43,614Average balance per account
Score breakdown
- Employer generosity32.8 / 5066th percentile for employer $ per participant
- Low cost11.9 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving9.9 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 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 | 66th |
| Lower admin cost | 48th |
| Employee saving | 66th |
| 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
- Jackson Rancheria Band of Miwuk Indians put in about $1,417 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.
- 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 | $978,825 |
| Participant (employee) contributions | $2,169,104 |
| Other contributions (incl. rollovers in) | $59,521 |
| Administrative expenses paid from the plan | $97,970 |
| Contract administrator fees | $6,862 |
| Investment advisory & management fees | $90,139 |
| Benefits paid out | $4,840,276 |
| Net assets, start / end of year | $38.4M / $40.6M |
| Active participants, start / end of year | 690 / 692 |
| Participants with account balances | 932 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Haynie & Company |
Largest service providers (Schedule C)
| Pruneyard Financial Group, Inc. | $90,139 reported compensation |
| Plan Design Consultants, Inc. | $64,176 reported compensation |
| Nationwide | $969 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003120434NAL0002252272001, received 2025-10-03, EIN 68-0283427, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.