Alpine Intel, LLC 401(k) Review & Grade
Alpine Intel 401(k) Plan
Louisville, KYProfessional, Scientific & Technical Services918 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,045Employer $ per active participant
$4,722Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$49.8MNet plan assets, end of year
$65,103Average balance per account
Score breakdown
- Employer generosity17.1 / 5034th percentile for employer $ per participant
- Low cost11.6 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 34th |
| Lower admin cost | 46th |
| Employee saving | 24th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,314 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Alpine Intel put in about $2,045 per active participant, below the typical peer ($3,082). 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.
- 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 | $1,877,151 |
| Participant (employee) contributions | $4,335,057 |
| Other contributions (incl. rollovers in) | $1,815,160 |
| Administrative expenses paid from the plan | $117,711 |
| Investment advisory & management fees | $66,500 |
| Benefits paid out | $6,764,765 |
| Net assets, start / end of year | $42.0M / $49.8M |
| Active participants, start / end of year | 500 / 1,336 |
| Participants with account balances | 765 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche LLP |
Largest service providers (Schedule C)
| Merrill Lynch | $66,500 reported compensation |
| Fidelity Investments Institutional | $51,211 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010070555NAL0012552864001, received 2025-10-10, EIN 82-0826790, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.