Alliance Medical Group , LLC 401(k) Review & Grade
Primary Health Medical Group 401(k) Plan · d/b/a Primary Health Medical Group
Garden City, IDHealth Care & Social Assistance586 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,788Employer $ per active participant
$5,026Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$49.2MNet plan assets, end of year
$62,240Average balance per account
Score breakdown
- Employer generosity33.5 / 5067th percentile for employer $ per participant
- Low cost10.5 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 42th |
| Employee saving | 79th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,282 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Alliance Medical Group put in about $1,788 per active participant, more than the typical peer ($976). 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 | $1,048,819 |
| Participant (employee) contributions | $2,947,645 |
| Other contributions (incl. rollovers in) | $68,053 |
| Administrative expenses paid from the plan | $131,081 |
| Contract administrator fees | $36,119 |
| Investment advisory & management fees | $94,962 |
| Benefits paid out | $2,991,843 |
| Net assets, start / end of year | $41.8M / $49.2M |
| Active participants, start / end of year | 585 / 588 |
| Participants with account balances | 790 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly |
Largest service providers (Schedule C)
| Stancorp Financial Group | $137,174 reported compensation |
| Concierge Private Wealth Management | $47,800 reported compensation |
| Resources Investment Advisors LLC | $47,162 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916093103NAL0004044082001, received 2025-09-16, EIN 20-2630141, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.