Alliance Coal, LLC 401(k) Review & Grade
Alliance Coal, LLC and Affiliates Profit Sharing and Savings Plan
Tulsa, OKMining, Oil & Gas3,654 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,921Employer $ per active participant
$9,798Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$638.9MNet plan assets, end of year
$137,396Average balance per account
Score breakdown
- Employer generosity44.3 / 5089th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: all industries, plans with 2,500–9,999 active participants (fewer than 30 industry peers) (2,386 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 58th |
| Employee saving | 82th |
| Peers that auto-enroll | 52% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Alliance Coal put in about $6,921 per active participant, more than the typical peer ($2,062). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $25,287,253 |
| Participant (employee) contributions | $35,796,508 |
| Other contributions (incl. rollovers in) | $2,407,044 |
| Administrative expenses paid from the plan | $580,529 |
| Contract administrator fees | $47,325 |
| Investment advisory & management fees | $136,753 |
| Other admin expenses | $4,996 |
| Benefits paid out | $58,635,744 |
| Net assets, start / end of year | $560.5M / $638.9M |
| Active participants, start / end of year | 3,575 / 3,732 |
| Participants with account balances | 4,650 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Hogantaylor LLP |
Largest service providers (Schedule C)
| Intrust Bank, N.A. | $496,832 reported compensation |
| Mariner Wealth Advisors | $60,000 reported compensation |
| Hogantaylor LLP | $18,700 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917150227NAL0000798274001, received 2025-09-17, EIN 73-0956034, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.