Wyandotte Tribe of Oklahoma, a Federally Chartered Corporation 401(k) Review & Grade
Wyandotte Tribal Corporation 401(k) Plan
Wyandotte, OKPublic Administration704 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,203Employer $ per active participant
$1,691Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$13.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity19.2 / 5038th percentile for employer $ per participant
- Low cost12.9 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 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 | 38th |
| Lower admin cost | 52th |
| Employee saving | 21th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $51,223 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Wyandotte Tribe of Oklahoma, a Federally Chartered put in about $1,203 per active participant, below the typical peer ($1,749). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $847,599 |
| Participant (employee) contributions | $1,191,399 |
| Other contributions (incl. rollovers in) | $22,141 |
| Administrative expenses paid from the plan | $27,661 |
| Investment advisory & management fees | $3,012 |
| Other admin expenses | $1,343 |
| Benefits paid out | $2,035,354 |
| Net assets, start / end of year | $11.9M / $13.5M |
| Active participants, start / end of year | 699 / 710 |
| Participants with account balances | 341 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Hogantaylor LLP |
Largest service providers (Schedule C)
| Bokf, NA | $18,484 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009130010NAL0003592419001, received 2025-10-09, EIN 02-0735724, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.