Muscogee Nation Gaming Enterprises, LLC 401(k) Review & Grade
Muscogee Nation Gaming Enterprises 401(k) Plan
Tulsa, OKArts, Entertainment & Recreation1,891 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,388Employer $ per active participant
$2,024Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$55.9MNet plan assets, end of year
$25,546Average balance per account
Score breakdown
- Employer generosity32.6 / 5065th percentile for employer $ per participant
- Low cost11.9 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
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 | 65th |
| Lower admin cost | 48th |
| Employee saving | 43th |
| 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
- Muscogee Nation Gaming Enterprises put in about $1,388 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 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 | $2,625,190 |
| Participant (employee) contributions | $3,826,561 |
| Other contributions (incl. rollovers in) | $381,184 |
| Administrative expenses paid from the plan | $127,145 |
| Investment advisory & management fees | $4,223 |
| Other admin expenses | $3,977 |
| Benefits paid out | $4,407,740 |
| Net assets, start / end of year | $47.2M / $55.9M |
| Active participants, start / end of year | 1,908 / 1,874 |
| Participants with account balances | 2,190 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli, LLP |
Largest service providers (Schedule C)
| Bokf, NA | $127,145 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010160238NAL0008441889001, received 2025-10-10, EIN 27-0984046, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.