Confederated Tribes of the Grand Ronde Community of Oregon 401(k) Review & Grade
Confederated Tribes of Grand Ronde Retirement Plan
Grand Ronde, ORArts, Entertainment & Recreation2,145 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,669Employer $ per active participant
$3,932Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$150.9MNet plan assets, end of year
$83,842Average balance per account
Score breakdown
- Employer generosity43.5 / 5087th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score61 / 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 | 87th |
| Lower admin cost | 52th |
| Employee saving | 79th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($206,108 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Confederated Tribes of the Grand Ronde Community of Oregon put in about $2,669 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $5,724,274 |
| Participant (employee) contributions | $8,434,008 |
| Other contributions (incl. rollovers in) | $1,713,772 |
| Administrative expenses paid from the plan | $300,779 |
| Investment advisory & management fees | $124,778 |
| Benefits paid out | $9,042,641 |
| Net assets, start / end of year | $128.9M / $150.9M |
| Active participants, start / end of year | 2,100 / 2,190 |
| Participants with account balances | 1,800 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Redw LLC |
Largest service providers (Schedule C)
| Milliman, Inc. | $144,880 reported compensation |
| Robert W. Baird & Co. Inc. | $124,778 reported compensation |
| Charles Schwab Trust Bank | $31,121 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009110302NAL0011314928001, received 2025-10-09, EIN 93-0899337, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.