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Grade My 401(k)
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1 issue

Intermountain Health Care, Inc.

87-0269232· Salt Lake City, UT· T. Rowe Price· 2024 filing· vs 20 plans your size
C
0/100
Overall grade

Middle of the pack, with clear ways to do better.

D
Fees
C
Financial Wellness
D
Plan design
B
Compliance
Fees

Your plan pays around 14 bps of assets per year. Similar plans pay around 8 bps. Your plan is pricier than most similar plans.

D
cheaper72th percentilepricier
Financial Wellness

Middle-of-the-pack savings. Employees put away $5,189/employee a year. That's about average for plans this size.

C
lower59th percentilehigher
Plan design

The employer contributes through profit sharing rather than a standard match.

D
Employer contributes via profit sharing
No standard match, but the employer puts money in through profit sharing. Often a flat percentage to everyone, which works like a match for employees.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Not safe harbor
The plan has to pass annual IRS nondiscrimination testing, which can cap what owners and higher earners are allowed to contribute.
Brokerage window
Employees can invest beyond the core fund menu through a self-directed brokerage account.
Compliance & health

1 item to review, nothing critical.

B
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
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T. Rowe Price

No provider notes available.

Key insights

  • Strongest area: compliance & health. 1 item to review, nothing critical.
  • Best place to improve: fees. Your plan pays around 14 bps of assets per year. Similar plans pay around 8 bps. Your plan is pricier than most similar plans.
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