No issues reported
High Plains Banking Group, Inc.
84-0861409· Flager, CO· 2024 filing
A
0/100
Overall grade
Strong plan across the board.
–
Fees
–
Financial Wellness
A
Plan design
A
Compliance
Fees
This plan's fees aren't public. Enter yours to grade them against similar plans.
Financial Wellness
Contribution data isn't available for this plan.
Plan design
Well-designed. Has the features that matter most.
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Safe harbor
Guaranteed employer contributions exempt the plan from annual IRS testing, so owners and higher earners can contribute the full limit.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health
No compliance issues reported on the latest filing.
No issues reported
The latest public filing does not report any of the compliance issues this grade checks.
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Key insights
- Strongest area: compliance & health. No compliance issues reported on the latest filing.
- Best place to improve: plan design. Well-designed. Has the features that matter most.
- Enter your fees (PEPM, monthly, and AUM %) to see exactly how your costs compare.
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