Alpine SG LLC 401(k) Review & Grade
Alpine SG LLC, 401(k) Plan
Walnut Creek, CAProfessional, Scientific & Technical Services998 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,615Employer $ per active participant
$9,275Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$82.2MNet plan assets, end of year
$57,437Average balance per account
Score breakdown
- Employer generosity35.4 / 5071th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving7.8 / 1552th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 52th |
| Employee saving | 52th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($10,932 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Alpine SG put in about $4,615 per active participant, more than the typical peer ($3,082). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,603,597 |
| Participant (employee) contributions | $9,251,851 |
| Other contributions (incl. rollovers in) | $2,088,129 |
| Administrative expenses paid from the plan | $155,359 |
| Investment advisory & management fees | $155,359 |
| Benefits paid out | $9,084,250 |
| Net assets, start / end of year | $62.8M / $82.2M |
| Active participants, start / end of year | 1,035 / 960 |
| Participants with account balances | 1,432 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $97,880 reported compensation |
| Alliant Retirement Cons. | $91,879 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010120234NAL0004575635001, received 2025-10-10, EIN 81-3468569, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.