Boulder Medical Center, P.C. Savings & Profit Sharing Plan

Boulder Medical Center, P.C. Savings & Profit Sharing Plan

Boulder Medical Center, P.C. established its Savings & Profit Sharing Plan in 2000 as the tax-advantaged retirement vehicle for the independent physician group. The medical practice itself has operated in Boulder since 1949, comprising over 70 providers across 20-plus specialties. The plan is a defined-contribution pension scheme governed by ERISA fiduciary standards — it does not deploy capital into direct private investments, co-investments, or venture funds. Its structure is typical of mid-sized medical-group plans: a 401(k)-style vehicle with pooled recordkeeping and a trustee-directed investment lineup. Portfolio construction follows a participant-directed model. The plan's assets are allocated across a pre-selected menu of mutual funds spanning core asset classes — US large-cap equity, international developed markets, aggregate fixed income, and target-date funds managed by institutional recordkeepers. There is no evidence of direct real estate, private equity, or hedge fund sleeves. Allocations are driven by individual participant elections within the fiduciary guardrails set by the plan's investment committee, which draws on the practice's physician-partners and external consultants. The plan's estimated $56 million in assets (Altss estimate) places it among smaller institutional pools, serving a single employer's workforce in Boulder County. There are no known satellite offices, philanthropic foundations, or adjacent investment vehicles bearing the Boulder Medical Center name. As a pension fund, it files Form 5500 annually with the Department of Labor, which is public record. Its structural differentiator is its embeddedness in a physician-owned, independent medical practice — an increasingly rare organizational form as hospital employment absorbs private groups. The plan's investment posture is defensive by design: participant protections, fee-leveling, and compliance with safe-harbor rules matter more than alpha-seeking. The entity is a retirement utility, not a strategic allocator, which distinguishes it fundamentally from the family offices, endowments, and sovereign funds that populate the broader Altss universe. This utility function imposes a hard ceiling on complexity and risk-taking.