Confederated Tribes of the Umatilla Indian Reservation 401(k) Review & Grade
Confederated Tribes of the Umatilla Indian Reservation 401(k) Profit Sharing Plan and Trust
Pendleton, OROther Services2,305 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,263Employer $ per active participant
$4,046Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$150.2MNet plan assets, end of year
$56,764Average balance per account
Score breakdown
- Employer generosity41.1 / 5082th percentile for employer $ per participant
- Low cost13.9 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1567th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 55th |
| Employee saving | 67th |
| Peers that auto-enroll | 40% |
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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
- Confederated Tribes of the Umatilla Indian Reservation put in about $3,263 per active participant, more than the typical peer ($1,257). 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 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 | $7,521,335 |
| Participant (employee) contributions | $9,326,551 |
| Other contributions (incl. rollovers in) | $881,509 |
| Administrative expenses paid from the plan | $267,991 |
| Benefits paid out | $11,538,127 |
| Net assets, start / end of year | $127.2M / $150.2M |
| Active participants, start / end of year | 2,347 / 2,263 |
| Participants with account balances | 2,646 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Alpine Summit Cpas |
Largest service providers (Schedule C)
| Newport Group, Inc. | $267,991 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014142204NAL0001535891001, received 2025-10-14, EIN 93-0624734, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.