Pueblo of Isleta 401(k) Review & Grade
Commercial Enterprises Employees 401(k) Profit
Albuquerque, NMAccommodation & Food Services1,006 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,054Employer $ per active participant
$1,678Employee $ saved per active participant
0.37%Direct admin cost, % of plan assets
$34.9MNet plan assets, end of year
$19,253Average balance per account
Score breakdown
- Employer generosity47.8 / 5096th percentile for employer $ per participant
- Low cost8.3 / 2533th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 33th |
| Employee saving | 79th |
| Peers that auto-enroll | 17% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Pueblo of Isleta put in about $2,054 per active participant, more than the typical peer ($266). 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 (0.37% 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.
- 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 | $2,064,858 |
| Participant (employee) contributions | $1,686,961 |
| Other contributions (incl. rollovers in) | $105,947 |
| Administrative expenses paid from the plan | $120,055 |
| Contract administrator fees | $76,758 |
| Investment advisory & management fees | $1,951 |
| Other admin expenses | $41,346 |
| Benefits paid out | $3,386,538 |
| Net assets, start / end of year | $30.4M / $34.9M |
| Active participants, start / end of year | 938 / 1,073 |
| Participants with account balances | 1,815 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | SJT Group LLC |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $59,406 reported compensation |
| Redw Advisors & Cpas | $44,329 reported compensation |
| SJT Group LLC | $13,234 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929115535NAL0005009427001, received 2025-09-29, EIN 85-0436027, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.