Graton Economic Development Auth 401(k) Review & Grade
Graton Resort & Casino 401(k) Plan
Rohnert Park, CAAccommodation & Food Services2,058 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,628Employer $ per active participant
$5,389Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$86.8MNet plan assets, end of year
$42,403Average balance per account
Score breakdown
- Employer generosity47.0 / 5094th percentile for employer $ per participant
- Low cost7.1 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1597th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 28th |
| Employee saving | 97th |
| Peers that auto-enroll | 17% |
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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
- Graton Economic Development Auth put in about $1,628 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 (0.43% 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 | $3,350,294 |
| Participant (employee) contributions | $11,090,491 |
| Other contributions (incl. rollovers in) | $220,975 |
| Administrative expenses paid from the plan | $333,578 |
| Investment advisory & management fees | $172,478 |
| Benefits paid out | $7,124,840 |
| Net assets, start / end of year | $69.2M / $86.8M |
| Active participants, start / end of year | 2,061 / 2,055 |
| Participants with account balances | 2,048 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $160,049 reported compensation |
| Morgan Stanley Smith Barney | $155,573 reported compensation |
| Graton Resort and Casino | $16,905 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013134106NAL0000665699001, received 2025-10-13, EIN 46-0601203, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.