Emerald Queen Hotel & Casinos 401(k) Review & Grade
Emerald Queen Casino 401(k) Plan
Fife, WAArts, Entertainment & Recreation2,014 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,123Employer $ per active participant
$2,834Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$99.9MNet plan assets, end of year
$69,880Average balance per account
Score breakdown
- Employer generosity41.5 / 5083th percentile for employer $ per participant
- Low cost10.6 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving9.0 / 1560th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 42th |
| Employee saving | 60th |
| Peers that auto-enroll | 38% |
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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
- Emerald Queen Hotel & Casinos put in about $2,123 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.
- 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.
- 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 | $4,274,066 |
| Participant (employee) contributions | $5,705,399 |
| Other contributions (incl. rollovers in) | $7,141 |
| Administrative expenses paid from the plan | $267,378 |
| Other admin expenses | $267,378 |
| Benefits paid out | $9,303,015 |
| Net assets, start / end of year | $88.3M / $99.9M |
| Active participants, start / end of year | 2,137 / 1,890 |
| Participants with account balances | 1,430 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| John Hancock USA | $136,086 reported compensation |
| RBC Capital Markets Corp | $65,525 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260624075656NAL0009602240001, received 2026-06-24, EIN 91-1734931, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.