Navajo Nation Gaming Enterprise 401(k) Review & Grade
Navajo Nation Gaming Enterprise 401(k) Savings Plan
Church Rock, NMArts, Entertainment & Recreation1,082 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,895Employer $ per active participant
$3,292Employee $ saved per active participant
0.71%Direct admin cost, % of plan assets
$24.2MNet plan assets, end of year
$18,481Average balance per account
Score breakdown
- Employer generosity39.1 / 5078th percentile for employer $ per participant
- Low cost3.1 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score62 / 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 | 78th |
| Lower admin cost | 12th |
| Employee saving | 68th |
| 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
- Navajo Nation Gaming Enterprise put in about $1,895 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.
- Direct plan expenses (0.71% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,049,029 |
| Participant (employee) contributions | $3,560,244 |
| Other contributions (incl. rollovers in) | $85,315 |
| Administrative expenses paid from the plan | $161,101 |
| Contract administrator fees | $106,469 |
| Investment advisory & management fees | $54,632 |
| Benefits paid out | $5,311,059 |
| Net assets, start / end of year | $21.0M / $24.2M |
| Active participants, start / end of year | 1,086 / 1,077 |
| Participants with account balances | 1,310 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $106,469 reported compensation |
| Wells Fargo Advisors | $54,658 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008141826NAL0003351587001, received 2025-10-08, EIN 26-0300499, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.