Osage Nation Gaming Enterprise 401(k) Review & Grade
Osage Casino 401(k) Plan · d/b/a DBA Osage Casinos
Tulsa, OKArts, Entertainment & Recreation1,318 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,971Employer $ per active participant
$2,340Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$30.7MNet plan assets, end of year
$21,019Average balance per account
Score breakdown
- Employer generosity40.0 / 5080th percentile for employer $ per participant
- Low cost11.5 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1550th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score49 / 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 | 80th |
| Lower admin cost | 46th |
| Employee saving | 50th |
| 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 ($385 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $70,750 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Osage Nation Gaming Enterprise put in about $1,971 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 | $2,598,763 |
| Participant (employee) contributions | $3,085,000 |
| Other contributions (incl. rollovers in) | $168,289 |
| Administrative expenses paid from the plan | $71,037 |
| Investment advisory & management fees | $3,116 |
| Other admin expenses | $1,076 |
| Benefits paid out | $2,594,058 |
| Net assets, start / end of year | $24.3M / $30.7M |
| Active participants, start / end of year | 1,308 / 1,329 |
| Participants with account balances | 1,460 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Hogan Taylor LLP |
Largest service providers (Schedule C)
| Bokf, NA | $78,036 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015114915NAL0004758017001, received 2025-10-15, EIN 06-1794657, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.