Nez Perce Tribe 401(k) Review & Grade
Nez Perce Tribe Employees Retirement Plan
Lapwai, IDPublic Administration1,134 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,475Employer $ per active participant
$2,424Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$61.9MNet plan assets, end of year
$51,363Average balance per account
Score breakdown
- Employer generosity22.2 / 5044th percentile for employer $ per participant
- Low cost15.2 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving4.4 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: all industries, plans with 500–2,499 active participants (fewer than 30 industry peers) (10,919 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 61th |
| Employee saving | 29th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,313,323 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Nez Perce Tribe put in about $1,475 per active participant, below the typical peer ($1,749). Any match is still an instant return, so contribute enough to get all of it.
- 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 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 | $1,672,858 |
| Participant (employee) contributions | $2,750,133 |
| Other contributions (incl. rollovers in) | $45,356 |
| Administrative expenses paid from the plan | $94,885 |
| Contract administrator fees | $63,749 |
| Other admin expenses | $31,136 |
| Benefits paid out | $3,672,562 |
| Net assets, start / end of year | $54.4M / $61.9M |
| Active participants, start / end of year | 1,106 / 1,163 |
| Participants with account balances | 1,205 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bluebird Cpas |
Largest service providers (Schedule C)
| Randall & Hurley, Inc | $63,749 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260825162736NAL0026823232001, received 2026-08-25, EIN 82-0278390, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.