Downstream Development Authority of the Quapaw Tribe of Oklahoma 401(k) Review & Grade
Quapaw Tribe of Oklahoma (o-Gah-Pah) Commercial 401(k) Plan
Quapaw, OKArts, Entertainment & Recreation1,539 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,169Employer $ per active participant
$1,955Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$23.8MNet plan assets, end of year
$27,500Average balance per account
Score breakdown
- Employer generosity27.5 / 5055th percentile for employer $ per participant
- Low cost11.5 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 46th |
| Employee saving | 41th |
| 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
- Downstream Development Authority of the Quapaw Tribe of Oklahoma put in about $1,169 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 | $1,798,935 |
| Participant (employee) contributions | $3,008,795 |
| Other contributions (incl. rollovers in) | $413,886 |
| Administrative expenses paid from the plan | $54,620 |
| Benefits paid out | $2,511,206 |
| Net assets, start / end of year | $18.6M / $23.8M |
| Active participants, start / end of year | 1,540 / 1,538 |
| Participants with account balances | 865 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubinbrown LLP |
Largest service providers (Schedule C)
| Bokf, NA | $54,631 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015163908NAL0006798064001, received 2025-10-15, EIN 14-1999278, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.