Colorado River Indian Tribes 401(k) Review & Grade
The Colorado River Indian Tribes Retirement Plan and Trust
Parker, AZPublic Administration761 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,415Employer $ per active participant
$584Employee $ saved per active participant
0.69%Direct admin cost, % of plan assets
$30.4MNet plan assets, end of year
$28,348Average balance per account
Score breakdown
- Employer generosity30.7 / 5061th percentile for employer $ per participant
- Low cost3.3 / 2513th percentile for low admin cost vs. same-size plans
- Employee saving1.1 / 157th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score38 / 100 · Grade D
This plan vs. peers
Peers: all industries, plans with 500–2,499 active participants (fewer than 30 industry peers) (10,919 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 13th |
| Employee saving | 7th |
| Peers that auto-enroll | 47% |
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
- Colorado River Indian Tribes put in about $2,415 per active participant, more than the typical peer ($1,749). 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 (0.69% 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 | $1,837,750 |
| Participant (employee) contributions | $444,346 |
| Other contributions (incl. rollovers in) | $4,496 |
| Administrative expenses paid from the plan | $198,818 |
| Contract administrator fees | $139,369 |
| Investment advisory & management fees | $59,449 |
| Benefits paid out | $2,263,210 |
| Net assets, start / end of year | $27.3M / $30.4M |
| Active participants, start / end of year | 793 / 729 |
| Participants with account balances | 1,071 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Redw LLC |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $66,009 reported compensation |
| Interocean Capital | $59,012 reported compensation |
| Transamerica Trust Company | $167 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015120651NAL0006199232001, received 2025-10-15, EIN 86-0092226, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.