Prairie Band Potawatomi Entertainment Corporation 401(k) Review & Grade
Prairie Band Potawatomi Entertainment Corporation 401(k) Plan
Mayetta, KSArts, Entertainment & Recreation746 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$841Employer $ per active participant
$2,114Employee $ saved per active participant
0.41%Direct admin cost, % of plan assets
$24.2MNet plan assets, end of year
$23,772Average balance per account
Score breakdown
- Employer generosity22.1 / 5044th percentile for employer $ per participant
- Low cost7.4 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving6.7 / 1545th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 29th |
| Employee saving | 45th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
Corrective distributions: the plan refunded $32,320 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Prairie Band Potawatomi Entertainment put in about $841 per active participant, below the typical peer ($995). Any match is still an instant return, so contribute enough to get all of it.
- 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 (0.41% 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 | $627,140 |
| Participant (employee) contributions | $1,576,129 |
| Other contributions (incl. rollovers in) | $358,632 |
| Administrative expenses paid from the plan | $94,638 |
| Benefits paid out | $2,665,243 |
| Net assets, start / end of year | $21.8M / $24.2M |
| Active participants, start / end of year | 726 / 765 |
| Participants with account balances | 1,020 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Rubinbrown LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $94,638 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250909134712NAL0012621443001, received 2025-09-09, EIN 36-4607611, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.