Retirement plan

ALPINE BANKS OF COLORADO EMPLOYEE STOCK OWNERSHIP PLAN AND 401(K)

Name: ALPINE BANKS OF COLORADO - ALPINE BANKS OF COLORADO EMPLOYEE STOCK OWNERSHIP PLAN AND 401(K) (2015) Form 5500
Creator: ALPINE BANKS OF COLORADO
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ALPINE BANKS OF COLORADO EMPLOYEE STOCK OWNERSHIP PLAN AND 401(K), ALPINE BANKS OF COLORADO

ALPINE BANKS OF COLORADOEIN 84-0868818Plan #001PY 2015

2200 GRAND AVENUE - GLENWOOD SPRINGS, CO 81601970-986-3705LinkedIn501-1000 employeesbanking

Prospect flagsLow participant contribution

How to read this page

Total assets (EOY)

$89.6M

No prior year

Total participants

737

No prior year

Average account balance

$125,160

No prior year

Annual return

12.81%

No prior year

Benchmarks

See 1,335 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort1,335 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$160.93M

Not enough data

1 years with asset history on file

Average account balance

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

$149K

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.

1,083

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

$7.60M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

+7.23%

Not enough data

1 years with return on file

Admin fee / account holder

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

$49

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 1 by compensation

Provider	Service type	Compensation
ALPINE TRUST & ASSET MANAGEMENT1+ years Service code 21 · EIN 84-0788527	Bank Trustee	$28,377

Plan features & details

Pension benefit codes2E2J2O3I

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
2O
ESOP other than a leveraged ESOP
Employee stock ownership plan that is not leveraged.
3I
Employer securities investment required
Plan requiring that all or part of employer contributions be invested and held at least for a limited period in employer securities.

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

$31K

$57 / participant

Investment mgmt$28K92.1%
Contract admin$2K6.9%
Other / not subdivided$3161.0%

% of EOY assets

0.034%

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: EKS&H LLLP
Auditor EIN: 461497033
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$125,160

$68,413+82.9%

$123,105+1.7%

$55,191+126.8%

Participation rate

96.1%

84.5%+11.6pp

86.8%+9.4pp

69.2%+27.0pp

Annual return

12.81%

6.30%+6.5pp

13.22%-0.4pp

10.78%+2.0pp

Employer contribution / active EE

$4,313

$3,050+41.4%

$5,151-16.3%

$1,899+127.2%

Participant deferral / active EE

$2,067

$4,490-54.0%

$6,229-66.8%

$3,046-32.1%

Admin fee / account holder

$43

$88-51.0%

$9,014-99.5%

$91-52.6%

Provider

Service type

Compensation

ALPINE TRUST & ASSET MANAGEMENT1+ years

Service code 21 · EIN 84-0788527

Bank Trustee

$28,377

ALPINE BANKS OF COLORADO EMPLOYEE STOCK OWNERSHIP PLAN AND 401(K)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ALPINE BANKS OF COLORADO EMPLOYEE STOCK OWNERSHIP PLAN AND 401(K)

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