Salt River Community Gaming Enterprises 401(k) Review & Grade
Salt River Community Gaming Enterprises 401(k) Plan
Scottsdale, AZPublic Administration3,010 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,001Employer $ per active participant
$5,480Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$298.9MNet plan assets, end of year
$90,972Average balance per account
Score breakdown
- Employer generosity31.1 / 5062th percentile for employer $ per participant
- Low cost14.1 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving8.3 / 1556th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: all industries, plans with 2,500–9,999 active participants (fewer than 30 industry peers) (2,386 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 57th |
| Employee saving | 56th |
| Peers that auto-enroll | 52% |
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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
- Salt River Community Gaming Enterprises put in about $3,001 per active participant, more than the typical peer ($2,062). 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 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 | $9,033,488 |
| Participant (employee) contributions | $16,493,938 |
| Other contributions (incl. rollovers in) | $1,350,388 |
| Administrative expenses paid from the plan | $284,116 |
| Contract administrator fees | $284,116 |
| Benefits paid out | $27,963,044 |
| Net assets, start / end of year | $254.2M / $298.9M |
| Active participants, start / end of year | 3,076 / 2,944 |
| Participants with account balances | 3,286 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $286,015 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250910155412NAL0035264144001, received 2025-09-10, EIN 14-1848199, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.