Idaho Environmental Coalition, LLC 401(k) Review & Grade
Amwtp Employee Investment Plan
Idaho Falls, IDAdministrative, Support & Staffing Services1,256 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$10,225Employer $ per active participant
$10,283Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$264.8MNet plan assets, end of year
$175,345Average balance per account
Score breakdown
- Employer generosity50.0 / 50100th percentile for employer $ per participant
- Low cost21.6 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1596th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 86th |
| Employee saving | 96th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,838 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Idaho Environmental Coalition put in about $10,225 per active participant, more than the typical peer ($712). 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.
- 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 | $12,837,437 |
| Participant (employee) contributions | $12,910,031 |
| Other contributions (incl. rollovers in) | $1,511,966 |
| Administrative expenses paid from the plan | $130,182 |
| Other admin expenses | $130,182 |
| Benefits paid out | $21,156,579 |
| Net assets, start / end of year | $229.0M / $264.8M |
| Active participants, start / end of year | 1,270 / 1,241 |
| Participants with account balances | 1,510 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rudd & Company, PLLC |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $120,758 reported compensation |
| Vanguard Advisers Inc. | $16,684 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260701083645NAL0011947923001, received 2026-07-01, EIN 85-1336969, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.