Pascua Yaqui Tribe 401(k) Review & Grade
Pascua Yaqui Tribe Enterprise 401(k) Plan
Tucson, AZPublic Administration1,850 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,859Employer $ per active participant
$1,627Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$75.6MNet plan assets, end of year
$45,143Average balance per account
Score breakdown
- Employer generosity26.1 / 5052th percentile for employer $ per participant
- Low cost19.4 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score52 / 100 · Grade C
This plan vs. peers
Peers: all industries, plans with 500–2,499 active participants (fewer than 30 industry peers) (10,919 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 77th |
| Employee saving | 20th |
| Peers that auto-enroll | 47% |
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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
- Pascua Yaqui Tribe put in about $1,859 per active participant, more than the typical peer ($1,749). 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 | $3,439,786 |
| Participant (employee) contributions | $3,009,646 |
| Other contributions (incl. rollovers in) | $114,917 |
| Administrative expenses paid from the plan | $61,647 |
| Contract administrator fees | $61,647 |
| Benefits paid out | $6,141,118 |
| Net assets, start / end of year | $66.8M / $75.6M |
| Active participants, start / end of year | 1,818 / 1,882 |
| Participants with account balances | 1,675 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $91,797 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925152600NAL0007769025001, received 2025-09-25, EIN 86-0203228, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.