Cache Creek Casino Resort 401(k) Review & Grade
Cache Creek 401(k) Plan
Brooks, CAArts, Entertainment & Recreation1,946 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,242Employer $ per active participant
$3,907Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$127.1MNet plan assets, end of year
$70,043Average balance per account
Score breakdown
- Employer generosity29.5 / 5059th percentile for employer $ per participant
- Low cost20.5 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score65 / 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 | 59th |
| Lower admin cost | 82th |
| Employee saving | 79th |
| 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
- Cache Creek Casino Resort put in about $1,242 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 | $2,418,416 |
| Participant (employee) contributions | $7,604,324 |
| Other contributions (incl. rollovers in) | $505,540 |
| Administrative expenses paid from the plan | $81,521 |
| Contract administrator fees | $300 |
| Benefits paid out | $16,902,354 |
| Net assets, start / end of year | $111.4M / $127.1M |
| Active participants, start / end of year | 1,899 / 1,994 |
| Participants with account balances | 1,814 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Campbell Taylorwashburn |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $44,114 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007102323NAL0007926816002, received 2025-10-07, EIN 93-0893432, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.