Red Hawk Casino 401(k) Review & Grade
Red Hawk Casino 401(k) Plan
Placerville, CAArts, Entertainment & Recreation1,040 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,055Employer $ per active participant
$2,932Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$44.1MNet plan assets, end of year
$53,881Average balance per account
Score breakdown
- Employer generosity40.6 / 5081th percentile for employer $ per participant
- Low cost19.0 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving9.3 / 1562th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score72 / 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 | 81th |
| Lower admin cost | 76th |
| Employee saving | 62th |
| 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
- Red Hawk Casino put in about $2,055 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.
- 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 | $2,138,340 |
| Participant (employee) contributions | $3,050,313 |
| Other contributions (incl. rollovers in) | $18,633 |
| Administrative expenses paid from the plan | $37,302 |
| Benefits paid out | $3,333,903 |
| Net assets, start / end of year | $37.5M / $44.1M |
| Active participants, start / end of year | 1,061 / 1,020 |
| Participants with account balances | 818 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Northwest Plan Services | $37,302 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014124000NAL0005970754001, received 2025-10-14, EIN 37-1540257, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.