Quechan Indian Tribe 401(k) Review & Grade
Quechan Indian Tribe Employee Savings and Retirement Plan
Winterhaven, CAAccommodation & Food Services904 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$952Employer $ per active participant
$1,420Employee $ saved per active participant
0.90%Direct admin cost, % of plan assets
$16.4MNet plan assets, end of year
$20,549Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost2.0 / 258th percentile for low admin cost vs. same-size plans
- Employee saving11.2 / 1575th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 8th |
| Employee saving | 75th |
| Peers that auto-enroll | 17% |
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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
- Quechan Indian Tribe put in about $952 per active participant, more than the typical peer ($266). 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 (0.90% of assets) are well above similar-size plans (0.23%). 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 | $860,657 |
| Participant (employee) contributions | $1,284,003 |
| Other contributions (incl. rollovers in) | $58,914 |
| Administrative expenses paid from the plan | $136,875 |
| Contract administrator fees | $72,221 |
| Investment advisory & management fees | $47,054 |
| Benefits paid out | $1,250,673 |
| Net assets, start / end of year | $13.9M / $16.4M |
| Active participants, start / end of year | 878 / 930 |
| Participants with account balances | 797 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Redw LLC |
Largest service providers (Schedule C)
| John Hancock | $72,735 reported compensation |
| PFG Advisors LLC | $46,541 reported compensation |
| Redw LLC | $17,600 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014172502NAL0001701491001, received 2025-10-14, EIN 86-0211181, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.