Plan Ledger DOL Form 5500 · updated monthly

Bank of Bridger, N.A.401(k)

BANK OF BRIDGER 401(K) SAFE HARBOR PLAN · BRIDGER, MT · plan year 2025

Reported admin expense ratio · 2025
0.31%

Peer grade: C+ · admin costs + employer contributions vs same-size plans · how grading works

Bank of Bridger, N.A. reported $48,232 in plan administrative expenses for 2025: 0.31% of average plan assets, above the peer median. Employer contributions averaged $2,490 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 4 years on file its reported administrative ratio has held roughly steady near 0.31%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 86th-largest of 229 plans among Montana employers on file, and 3,331st of 4,798 in finance & insurance. In 2025, employees put in $1.70 for every $1.00 the employer contributed; active participation has grown from 102 to 118 since 2022.

Plan summary
Net assets, end of year$16,738,714
Participants with balances125
Active participants118
Employer contributions$293,843
Employee contributions$500,684
Employer contribution per active participant$2,490
Average account balance$133,910
Benefits paid to participants$775,538
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$16.7M · 125 accts · $294K emplr
2024$14.6M · 117 accts · $267K emplr
2023$12.6M · 116 accts · $253K emplr
2022$11.5M · 118 accts · $244K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$2,875
Investment management$45,357
Total administrative$48,232
The Bank of Bridger, N.A. 401(k) match · 2025
Employer contribution per active participant$2,490
Median for plans this size$2,666
2025$2,490 per active participant
2024$2,431 per active participant
2023$2,276 per active participant
2022$2,389 per active participant

Bank of Bridger, N.A.'s 2025 employer contribution ran below the $2,666 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
THE VANGUARD GROUP, INC. · Loan processing · Recordkeeping$2,875
UBS FINANCIAL SERVICES INC. · Investment advisory (plan)$45,357

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year3
2025Vanguard
2024Vanguard
2023Vanguard

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$48,232 · 0.31%
2024$42,676 · 0.31%
2023$36,747 · 0.30%
2022$37,711 · 0.30%
Same employer
Similar plansFinance & Insurance · Montana
Independence Bank MT$34.5M · 0.38%
Mann Mortgage, LLC MT$27.3M · 0.54%
The Yellowstone Bank MT$22.2M · 0.33%
Taurus LLC MT$12.2M · 0.23%
Trailwest Bank MT$11.2M · 0.36%

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Source: U.S. Department of Labor, Form 5500 series, EIN 830129675 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.