Retirement plan

HO-CHUNK NATION 401(K) PLAN & TRUST

Name: HO-CHUNK NATION - HO-CHUNK NATION 401(K) PLAN & TRUST (2025) Form 5500
Creator: HO-CHUNK NATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HO-CHUNK NATION 401(K) PLAN & TRUST, HO-CHUNK NATION

HO-CHUNK NATIONEIN 39-1140880Plan #001PY 2025

W9814 AIRPORT ROAD - BLACK RIVER FALLS, WI 54615715-284-4361

Prospect flagsLow participationFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$85.6M

+18.7% from 2024

Total participants

2,952

+4.9% from 2024

Average account balance

$39,047

+9.9% from 2024

Annual return

13.08%

-2.05 pp from 2024

Benchmarks

See 356 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants1,000-4,999

Cohort356 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$85.55M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$39K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

2,191

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

68.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$8.60M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+13.08%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$102

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 2 by compensation

Provider	Service type	Compensation
NEWPORT GROUP, INC.10+ years Service code 12 · EIN 27-2037969	Recordkeeping and information managem...	$135,360
NFP RETIREMENT INC6 years Filed as: NFP RETIREMENT, INC. Service code 27 10 TERRACE COURT · MADISON, WI 53718	Advisory (Plan)	$64,967

Plan features & details

Pension benefit codes2E2F2G2J2K3D3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$223K

$93 / participant

Recordkeeping$102K45.8%
Investment mgmt$65K29.1%
Contract admin$56K25.1%

% of EOY assets

0.261%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CLIFTONLARSONALLEN LLP
Auditor EIN: 410746749
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$39,047

$85,660-54.4%

$180,320-78.3%

$85,660-54.4%

Participation rate

68.2%

74.8%-6.7pp

71.5%-3.4pp

74.8%-6.7pp

Annual return

13.08%

19.52%-6.4pp

778.54%-765.5pp

19.52%-6.4pp

Employer contribution / active EE

$1,478

$4,199-64.8%

$4,108-64.0%

$4,199-64.8%

Participant deferral / active EE

$2,115

$3,518-39.9%

$4,304-50.9%

$3,518-39.9%

Admin fee / account holder

$102

$224-54.5%

$10,000-99.0%

$224-54.5%

Provider

Service type

Compensation

NEWPORT GROUP, INC.10+ years

Service code 12 · EIN 27-2037969

Recordkeeping and information managem...

$135,360

NFP RETIREMENT INC6 years

Filed as: NFP RETIREMENT, INC.

Service code 27

10 TERRACE COURT · MADISON, WI 53718

Advisory (Plan)

$64,967

HO-CHUNK NATION 401(K) PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HO-CHUNK NATION 401(K) PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion