Retirement plan

ALTERNATIVES, INC. 401(K) PLAN

Name: ALTERNATIVES, INC. - ALTERNATIVES, INC. 401(K) PLAN (2018) Form 5500
Creator: ALTERNATIVES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ALTERNATIVES, INC. 401(K) PLAN, ALTERNATIVES, INC.

ALTERNATIVES, INC.EIN 81-0382745Plan #001PY 2018

1001 S 27TH ST - BILLINGS, MT 59101406-294-9609LinkedIn51-200 employeespublic safety

Prospect flagsLow participant contribution

How to read this page

Total assets (EOY)

$3.4M

+17.4% from 2017

Total participants

158

+14.5% from 2017

Average account balance

$26,003

+4.8% from 2017

Annual return

9.67%

-4.48 pp from 2017

Benchmarks

See 5,340 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort5,340 peers

Snapshot2018

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$5.31M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$34K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

157

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$505K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+9.65%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$131

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 2 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$2,632
FIRST INTERSTATE WEALTH MANAGEMENT1 year Filed as: FIRST INTERSTATE WEALTH Service code 15 · EIN 81-6023169 401 N 31ST ST · BILLINGS, MT 59101	Recordkeeping	$0

Plan features & details

Pension benefit codes2E2F2G2J2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$3K

$19 / participant

Contract admin$3K100.0%

% of EOY assets

0.077%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: ANDERSON ZURMUEHLEN AND CO.
Auditor EIN: 810385940
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$26,003

$73,102-64.4%

$123,553-79.0%

$56,289-53.8%

Participation rate

81.0%

74.3%+6.7pp

82.3%-1.3pp

69.9%+11.1pp

Annual return

9.67%

3.01%+6.7pp

119.21%-109.5pp

-9.96%+19.6pp

Employer contribution / active EE

$1,444

$2,977-51.5%

$4,628-68.8%

$2,111-31.6%

Participant deferral / active EE

$876

$5,423-83.8%

$6,426-86.4%

$3,350-73.9%

Admin fee / account holder

$20

$554-96.4%

$9,284-99.8%

$521-96.1%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$2,632

FIRST INTERSTATE WEALTH MANAGEMENT1 year

Filed as: FIRST INTERSTATE WEALTH

Service code 15 · EIN 81-6023169

401 N 31ST ST · BILLINGS, MT 59101

Recordkeeping

ALTERNATIVES, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ALTERNATIVES, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion