Emerald Queen Hotel & Casinos 401(k) match, vesting and fees
What Emerald Queen Hotel & Casinos' 401(k) plan says about matching contributions
Employer safe harbor matching contributions – The Sponsor makes safe harbor contributions equal to 100% of the participant’s employee contribution up to 6% of the participant’s compensation.
Quoted directly from the filing. Plan terms may have changed; check your current Summary Plan Description.
Plan features
Indented passages are quoted word for word from the audit report; plan terms may have changed since, so check your current Summary Plan Description.
| Employer match | Quoted from the filing above | Audit report, p. 30 ↗ |
| Match vesting | Vesting – Participants are 100% vested in all participant salary deferral contributions, rollovers, the Sponsor's safe harbor matching contributions, and the related earnings. | Audit report, p. 31 ↗ |
| Loans | Notes receivable from participants – Participants may borrow from their accounts a maximum equal to the lesser of $50,000 or 50% of their vested account balance. The loans are issued by the Plan and secured by the balance in the participant's account. All loans must be repaid within a period of five years, unless the loan is used to purchase a principal residence, in which case, the loan must be repaid within a reasonable period of time not to exceed fifteen years. Under the terms of the Plan Agreement, Plan loans will bear a reasonable rate of interest determined by the Plan administrator. Principal and interest are paid ratably through payroll deductions. As of September 30, 2025, the rates of interest on outstanding loans ranged from 4.25% to 9.50% with various maturities through August 2039. | Audit report, p. 31 ↗ |
| Recordkeeper | John Hancock USA | Schedule C ↗ |
| Independent auditor | Baker Tilly US, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
All rows are from the plan year 2024 filing; plan features from its audit report.
How the plan compares
Plan year 2024 medians for 135 defined-contribution plans in arts, entertainment, and recreation with 1,000 to 4,999 participants.
| Emerald Queen Hotel & Casinos: employer contribution per participant | $2,989 | |
| Peer median | $1,412 |
| Emerald Queen Hotel & Casinos: average balance | $69,880 | |
| Peer median | $54,020 |
| Emerald Queen Hotel & Casinos: admin expenses ÷ assets | 0.28% | |
| Peer median | 0.16% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $57.8M at the end of plan year 2021 to $99.9M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 2,206 | $99.9M | $4.3M | $2,989 | 0.28% | Quoted in the audit report, p. 30 ↗ | Form 5500 ↗ |
| 2023 | 2,400 | $88.3M | $4.2M | $2,860 | 0.30% | Not published | Form 5500 ↗ |
| 2022 | 2,450 | $68.4M | $4M | $2,765 | 0.31% | Not published | Form 5500 ↗ |
| 2021 | 2,255 | $57.8M | $3.7M | $2,559 | 0.25% | Not published | Form 5500 ↗ |
Common questions
Does Emerald Queen Hotel & Casinos match 401(k) contributions?
The audit report attached to the Emerald Queen Casino 401(k) Plan's plan year 2024 Form 5500, page 30 says: “Employer safe harbor matching contributions – The Sponsor makes safe harbor contributions equal to 100% of the participant’s employee contribution up to 6% of the participant’s compensation.” Plan terms may have changed; check your current Summary Plan Description.
When is the Emerald Queen Hotel & Casinos 401(k) match vested?
The audit report attached to the plan year 2024 Form 5500, page 31 says: “Vesting – Participants are 100% vested in all participant salary deferral contributions, rollovers, the Sponsor's safe harbor matching contributions, and the related earnings.”
Who manages the Emerald Queen Hotel & Casinos 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is John Hancock USA. The plan administrator is Emerald Queen Hotel & Casinos.
I left Emerald Queen Hotel & Casinos. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Emerald Queen Hotel & Casinos, (253) 441-3105) or the recordkeeper, John Hancock USA. The Emerald Queen Hotel & Casinos old 401(k) page lists the contacts from every plan filing. Find an old Emerald Queen Hotel & Casinos 401(k)
Data from the public Form 5500 annual reports Emerald Queen Hotel & Casinos filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Emerald Queen Hotel & Casinos. Not financial advice. Report a correction · Methodology