Wilton Rancheria Gaming 401(k) Review & Grade
Sky River Casino 401(k) Plan
Elk Grove, CAAccommodation & Food Services1,431 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$762Employer $ per active participant
$3,476Employee $ saved per active participant
0.65%Direct admin cost, % of plan assets
$14.2MNet plan assets, end of year
$8,973Average balance per account
Score breakdown
- Employer generosity41.0 / 5082th percentile for employer $ per participant
- Low cost3.7 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving14.0 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
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 | 82th |
| Lower admin cost | 15th |
| Employee saving | 94th |
| Peers that auto-enroll | 17% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $121 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Wilton Rancheria Gaming put in about $762 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 (0.65% 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 | $1,090,177 |
| Participant (employee) contributions | $4,974,627 |
| Other contributions (incl. rollovers in) | $765,312 |
| Administrative expenses paid from the plan | $70,043 |
| Investment advisory & management fees | $22,007 |
| Benefits paid out | $1,290,173 |
| Net assets, start / end of year | $7.3M / $14.2M |
| Active participants, start / end of year | 1,444 / 1,418 |
| Participants with account balances | 1,579 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Vasquez & Company LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $48,036 reported compensation |
| Pensionmark Financial Group, LLC | $22,007 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015084714NAL0008392082001, received 2025-10-15, EIN 32-0603911, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.