Orthopaedic & Spine Center of the Rockies, PC 401(k) Review & Grade
Orthopaedic & Spine Center of the Rockies, P.C. 401(k) Profit Sharing Plan
Fort Collins, COHealth Care & Social Assistance601 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,529Employer $ per active participant
$4,908Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$87.6MNet plan assets, end of year
$117,367Average balance per account
Score breakdown
- Employer generosity44.8 / 5090th percentile for employer $ per participant
- Low cost15.6 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score72 / 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 | 90th |
| Lower admin cost | 63th |
| Employee saving | 78th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $14,676 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Orthopaedic & Spine Center of the Rockies put in about $4,529 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.
- 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 | $2,722,110 |
| Participant (employee) contributions | $2,949,451 |
| Other contributions (incl. rollovers in) | $1,154,162 |
| Administrative expenses paid from the plan | $125,687 |
| Contract administrator fees | $69,576 |
| Investment advisory & management fees | $51,148 |
| Other admin expenses | $4,963 |
| Benefits paid out | $4,751,229 |
| Net assets, start / end of year | $76.5M / $87.6M |
| Active participants, start / end of year | 577 / 625 |
| Participants with account balances | 746 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Alliancebernstein L.P. | $53,166 reported compensation |
| Principal Life Insurance | $51,989 reported compensation |
| Rea & Asssociates, Inc. | $41,129 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002171043NAL0000745425001, received 2025-10-02, EIN 84-0593455, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.