Plan Ledger DOL Form 5500 · updated monthly

Barnard Construction Company, Inc.401(k)

SAVE MORE RETIREMENT PLAN AND TRUST · BOZEMAN, MT · plan year 2024

Reported admin expense ratio · 2024
0.01%

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

Barnard Construction Company, Inc. reported $17,348 in plan administrative expenses for 2024: 0.01% of average plan assets, lower than ~75% of peers. Employer contributions averaged $14,311 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 3 years on file its reported administrative ratio has held roughly steady near 0.015%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other construction employers. By assets it is the 12th-largest of 229 plans among Montana employers on file, and the 508th of 5,337 in construction. In 2024, the employer put in $1.47 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$127,136,189
Participants with balances962
Active participants523
Employer contributions$7,484,550
Employee contributions$5,097,055
Employer contribution per active participant$14,311
Average account balance$132,158
Benefits paid to participants$7,795,403
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$127.1M · 962 accts · $7.5M emplr
2023$105.6M · 846 accts · $6.2M emplr
2022$90.5M · 729 accts · $5.1M emplr
Administrative expenses, itemized · 2024
Investment management$18,938
Total administrative$17,348
The Barnard Construction Company, Inc. 401(k) match · 2024
Employer contribution per active participant$14,311
Median for plans this size$3,635
2024$14,311 per active participant
2023$7,568 per active participant
2022$10,163 per active participant

Barnard Construction Company, Inc.'s 2024 employer contribution ran above the $3,635 median for plans its size, placing it in the top quarter of its peers. 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
STRATEGIC ADVISORS, INC. · Investment advisory (plan)$18,938
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processingindirect comp

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

Administrative cost history3
2024$17,348 · 0.01%
2023$4,624 · 0.00%
2022$14,236 · 0.01%
Similar plansConstruction · Montana
Shiel Sexton Company, Inc. IN$127.9M · 0.12%
Walters & Wolf Glass Company CA$127.0M · 0.15%
Goodfellow Bros., LLC. WA$126.0M · 0.11%
Eurovia USA FL$125.7M · 0.60%

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Source: U.S. Department of Labor, Form 5500 series, EIN 810384712 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.