Retirement plan

INTERMOUNTAIN HEALTHCARE TAX DEFERRED SAVINGS 403(B) PLAN

INTERMOUNTAIN HEALTH CARE, INC.EIN 87-0269232Plan #003PY 2021
36 S STATE ST, 16TH FLOOR - SALT LAKE CITY, UT 84111801-442-2049LinkedIn11-50 employeesmedical practice
Prospect flagsLow participationLow participant contributionCorrective distributions

Filing contacts

From the Form 5500, federal record
Plan sponsor & administrator signer
DAVID K. ADAMS
Signed 09/30/2022
(801) 442-2049

Summary metrics

Total assets (EOY)
$317.3M
-9.4% from 2016
Total participants
39,560
-2.9% from 2016
Average account balance
$66,600
-5.5% from 2016
Annual return
14.51%
-11.97 pp from 2016

Benchmarks

Peer group
Industry62 - Health Care and Social Assistance
Plan typeDefined contribution
Participants>=10,000
Cohort230 peers
Snapshot2021
Participant deferral / active EE
$561
median $4,224
Employer contribution / active EE
$0
median $1,758
Participation rate
9.7%
median 86.9%
Avg account balance
$66,600
median $62,426
Admin fee / account holder
$42
median $50
Annual return
14.51%
median 14.85%
Overall peer rank
33rd percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$341.69M
Average account balance
Total assets / participants with a balance (line 6g)
$78K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
4,383
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
7.8%
Contributions (total)
Employer and participant dollars contributed each year
$25.13M
Contributions per participant
Average employer and participant contribution per enrolled participant
$543
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+12.24%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$45
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 3 by compensation
ProviderService typeCompensation
Service code 15
100 EAST PRATT STREET · BALTIMORE, MD 21202
Recordkeeping
$162,000
KPMG LLP7+ years
Service code 10
PO BOX 120754 · DALLAS, TX 75312
Accounting
$26,000
MERCER3 years
Service code 16
PO BOX 13793 · DALLAS, TX 75373
Consulting
$6,000

Plan features & details

Pension benefit codes2F2G2M3H
Plan features
  • 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.
  • 2M
    Code section 403(b)(7) accounts
    Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
  • 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.

  • OpportunityLow participant contribution

    Participant contribution per participant is in the bottom quintile of the peer cohort.

  • ComplianceCorrective distributions

    Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II
Admin total
$198K
$5 / participant
  • Investment mgmt$6K3.0%
  • Contract admin$158K79.8%
  • Other / not subdivided$34K17.2%
% of EOY assets
0.062%
all-in expense ratio
Categories reported
2 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
KPMG, LLP
Auditor EIN
135565207
Audit fees
(not subdivided)
Opinion code
Unqualified