Pueblo of Santa Ana 401(k) Review & Grade
Pueblo of Santa Ana Commercial Enterprises 401(k) Profit Sharing Plan and Trust
Santa Ana Pueblo, NMArts, Entertainment & Recreation1,134 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,309Employer $ per active participant
$960Employee $ saved per active participant
0.42%Direct admin cost, % of plan assets
$27.3MNet plan assets, end of year
$24,015Average balance per account
Score breakdown
- Employer generosity31.3 / 5062th percentile for employer $ per participant
- Low cost7.2 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score35 / 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 | 62th |
| Lower admin cost | 29th |
| Employee saving | 21th |
| 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 ($12,897 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Pueblo of Santa Ana put in about $1,309 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 (0.42% 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 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 | $1,484,488 |
| Participant (employee) contributions | $1,088,782 |
| Other contributions (incl. rollovers in) | $153,572 |
| Administrative expenses paid from the plan | $109,767 |
| Investment advisory & management fees | $25,336 |
| Other admin expenses | $6,476 |
| Benefits paid out | $3,182,082 |
| Net assets, start / end of year | $24.8M / $27.3M |
| Active participants, start / end of year | 716 / 1,552 |
| Participants with account balances | 1,135 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Loftis & Lovato Group |
Largest service providers (Schedule C)
| Bokf, NA | $105,783 reported compensation |
| Ascensus | $9,551 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009115816NAL0003884627001, received 2025-10-09, EIN 85-0217024, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.