Pci Gaming Authority 401(k) Review & Grade
Pci Gaming Authority 401(k) Retirement Plan
Atmore, ALArts, Entertainment & Recreation7,069 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,830Employer $ per active participant
$2,994Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$184.2MNet plan assets, end of year
$27,753Average balance per account
Score breakdown
- Employer generosity35.3 / 5071th percentile for employer $ per participant
- Low cost4.2 / 2517th percentile for low admin cost vs. same-size plans
- Employee saving7.5 / 1550th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 2,500–9,999 active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 17th |
| Employee saving | 50th |
| 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
- Pci Gaming Authority put in about $1,830 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.
- Direct plan expenses (0.39% of assets) are well above similar-size plans (0.12%). 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 | $12,935,598 |
| Participant (employee) contributions | $21,164,536 |
| Other contributions (incl. rollovers in) | $5,585,437 |
| Administrative expenses paid from the plan | $639,508 |
| Contract administrator fees | $444,031 |
| Investment advisory & management fees | $195,477 |
| Benefits paid out | $17,097,129 |
| Net assets, start / end of year | $141.6M / $184.2M |
| Active participants, start / end of year | 6,426 / 7,712 |
| Participants with account balances | 6,636 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Warren Averitt |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $443,874 reported compensation |
| NFP Retirement | $195,591 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015212218NAL0005621297001, received 2025-10-15, EIN 13-4221398, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.