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Original filing (PDF)20251014172502NAL0001701491001
QUECHAN INDIAN TRIBE
Form 5500
FILING_RECEIVED
QUECHAN INDIAN TRIBE EMPLOYEE SAVINGS AND RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~84 bps in Sched C fees
Active participants
930
Accounts w/ balance
797
Plan assets (EOY)
$16.4M
Net assets (EOY)
$16.4M
How this plan invests
This plan
35 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 84 bps in Schedule C fees — 188% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for QUECHAN INDIAN TRIBE.
Plan sponsor
Name
QUECHAN INDIAN TRIBE
EIN
86-0211181
Address
525 ALGODONES ROAD · WINTERHAVEN, CA · 92283
Phone
(760) 572-3900
Industry
Accommodation & Food Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
REDW LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JOHN HANCOCK | 01-0233346 | — | RECORDKEEPER | $73K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PFG ADVISORS LLC | 47-2483769 | — | RETAINED BY EMPLOYER | $47K | — |
| REDW LLC | 85-0203431 | — | RETAINED BY EMPLOYER | $18K | — |
Investments
35 direct securities· $16.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Nuveen Lifecycle Index 2030 Fund | — | — | — | $2.6M | 15.6% | |
| Nuveen Lifecycle Index 2035 Fund | — | — | — | $2.4M | 14.4% | |
| Nuveen Lifecycle Index 2040 Fund | — | — | — | $1.9M | 11.8% | |
| Nuveen Lifecycle Index 2045 Fund | — | — | — | $1.8M | 11.0% | |
| Nuveen Lifecycle Index 2025 Fund | — | — | — | $1.5M | 9.3% | |
| Nuveen Lifecycle Index 2050 Fund | — | — | — | $1.4M | 8.7% | |
| Participant notes receivable | — | — | $0 | $1.3M | 7.8% | |
| Nuveen Lifecycle Index 2055 Fund | — | — | — | $809K | 4.9% | |
| Nuveen Lifecycle Index 2060 Fund | — | — | — | $616K | 3.8% | |
| Nuveen Lifecycle Index Retirement Fund | — | — | — | $540K | 3.3% | |
| Nuveen Lifecycle Index 2065 Fund | — | — | — | $322K | 2.0% | |
| Nuveen Lifecycle Index 2020 Fund | — | — | — | $302K | 1.8% | |
| Fidelity 500 Index Fund | — | — | — | $211K | 1.3% | |
| Vanguard Cash Reserves Federal Money Market Fund | — | — | — | $98K | 0.6% | |
| T Rowe Price Institutional Long Duration Credit Fund | — | — | — | $85K | 0.5% | |
| JP Morgan Large Cap Growth Fund | — | — | — | $79K | 0.5% | |
| JP Morgan US Govt Money Market Cap | — | — | — | $55K | 0.3% | |
| Fidelity Mid Cap Index Fund | — | — | — | $48K | 0.3% | |
| BlackRock Emerging Markets K | — | — | — | $44K | 0.3% | |
| Eagle Mid Cap Growth | — | — | — | $41K | 0.2% | |
| American Funds New Perspective Fund | — | — | — | $35K | 0.2% | |
| Nuveen Lifecycle Index 2015 Fund | — | — | — | $31K | 0.2% | |
| Fidelity International Index Fund | — | — | — | $31K | 0.2% | |
| BlackRock High Yield Bond Fund | — | — | — | $24K | 0.1% | |
| The Bond Fund of America R6 | — | — | — | $21K | 0.1% | |
| Goldman Sachs International Equity Insights | — | — | — | $19K | 0.1% | |
| AB Small Cap Growth Portfolio | — | — | — | $19K | 0.1% | |
| JP Morgan US Value R6 | — | — | — | $16K | <0.1% | |
| Fidelity Small Cap | — | — | — | $15K | <0.1% | |
| American Cap World Bond R6 | — | — | — | $12K | <0.1% | |
| MFS Mid Cap Value | — | — | — | $11K | <0.1% | |
| American Funds U.S. Gov Sec R6 | — | — | — | $9K | <0.1% | |
| American Funds Inflation Linked R6 | — | — | — | $7K | <0.1% | |
| Nuveen Lifecycle Index 2010 Fund | — | — | — | $6K | <0.1% | |
| American Cent Small Cap Value R6 | — | — | — | $5K | <0.1% |