Oneida Nation 401(k) Review & Grade
Oneida Nation Enterprise 401(k) Plan
Oneida, WIPublic Administration799 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,640Employer $ per active participant
$3,758Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$43.3MNet plan assets, end of year
$35,855Average balance per account
Score breakdown
- Employer generosity32.3 / 5065th percentile for employer $ per participant
- Low cost9.4 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score58 / 100 · Grade C
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 | 65th |
| Lower admin cost | 38th |
| Employee saving | 44th |
| Peers that auto-enroll | 47% |
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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
- Oneida Nation put in about $2,640 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.
- 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 | $2,109,257 |
| Participant (employee) contributions | $3,002,365 |
| Other contributions (incl. rollovers in) | $4,262 |
| Administrative expenses paid from the plan | $132,906 |
| Benefits paid out | $4,907,862 |
| Net assets, start / end of year | $38.3M / $43.3M |
| Active participants, start / end of year | 775 / 823 |
| Participants with account balances | 1,207 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly, US LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $132,906 reported compensation |
| LPL Financial Services | $72,870 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008093436NAL0013380546001, received 2025-10-08, EIN 39-6081138, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.