Chukchansi Economic Development Authority 401(k) Review & Grade
Chukchansi Gold Resort and Casino 401(k) Plan
Coarsegold, CAAccommodation & Food Services1,254 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,709Employer $ per active participant
$2,487Employee $ saved per active participant
0.63%Direct admin cost, % of plan assets
$25.4MNet plan assets, end of year
$15,776Average balance per account
Score breakdown
- Employer generosity47.5 / 5095th percentile for employer $ per participant
- Low cost4.0 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving13.4 / 1589th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 16th |
| Employee saving | 89th |
| Peers that auto-enroll | 17% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Chukchansi Economic Development Authority put in about $1,709 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 (0.63% 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 | $2,143,507 |
| Participant (employee) contributions | $3,119,996 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $144,201 |
| Contract administrator fees | $144,201 |
| Benefits paid out | $2,527,232 |
| Net assets, start / end of year | $20.2M / $25.4M |
| Active participants, start / end of year | 1,254 / 1,255 |
| Participants with account balances | 1,613 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Ascensus LLC | $144,201 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002160623NAL0001082384001, received 2025-10-02, EIN 16-1615196, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.