Tohono O'odham Gaming Enterprise 401(k) Review & Grade
Tohono O'odham Gaming Enterprise Retirement Savings Plan
Sahuarita, AZPublic Administration2,762 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,213Employer $ per active participant
$3,257Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$136.5MNet plan assets, end of year
$42,119Average balance per account
Score breakdown
- Employer generosity32.3 / 5065th percentile for employer $ per participant
- Low cost7.0 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving5.3 / 1535th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: all industries, plans with 2,500–9,999 active participants (fewer than 30 industry peers) (2,386 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 28th |
| Employee saving | 35th |
| Peers that auto-enroll | 52% |
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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
- Tohono O'odham Gaming Enterprise put in about $3,213 per active participant, more than the typical peer ($2,062). 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 (0.25% 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 | $8,873,208 |
| Participant (employee) contributions | $8,994,844 |
| Other contributions (incl. rollovers in) | $392,221 |
| Administrative expenses paid from the plan | $311,016 |
| Investment advisory & management fees | $2,229 |
| Benefits paid out | $9,777,403 |
| Net assets, start / end of year | $114.0M / $136.5M |
| Active participants, start / end of year | 2,649 / 2,875 |
| Participants with account balances | 3,242 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Redw |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $308,787 reported compensation |
| Charles Schwab & Co., Inc | $656 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015095757NAL0008624002001, received 2025-10-15, EIN 86-0489635, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.