Plan Ledger DOL Form 5500 · updated monthly

Employee Benefit Management Services, Inc.401(k)

EBMS RETIREMENT PLAN · BILLINGS, MT · plan year 2022

Reported admin expense ratio · 2022
0.38%

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

Employee Benefit Management Services, Inc. reported $61,337 in plan administrative expenses for 2022: 0.38% of average plan assets, above the peer median. Employer contributions averaged $1,209 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.

The plan sits in the $10M–$50M size bracket, benchmarked here against 26,806 comparable plans and shown alongside other professional & technical services employers. By assets it is the 95th-largest of 229 plans among Montana employers on file, and 6,613th of 11,654 in professional & technical services. In 2022, employees put in $2.79 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$14,805,806
Participants with balances423
Active participants346
Employer contributions$418,471
Employee contributions$1,165,769
Employer contribution per active participant$1,209
Average account balance$35,002
Benefits paid to participants$1,444,653
Plan auditUnmodified (clean) audit opinion
AuditorRSM US LLP
Administrative expenses, itemized · 2022
Recordkeeping & contract admin$61,337
Total administrative$61,337
The Employee Benefit Management Services, Inc. 401(k) match · 2022
Employer contribution per active participant$1,209
Median for plans this size$2,266

Employee Benefit Management Services, Inc.'s 2022 employer contribution ran below the $2,266 median for plans its size, in the bottom 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 2022 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Administrative cost history1
2022$61,337 · 0.38%
Similar plansProfessional & Technical Services · Montana
Dj&A, P.C. MT$19.3M · 0.18%
Wgm Group, Inc. MT$19.1M · 0.20%
A&E Design, Inc. MT$18.9M · 0.68%
Xtant Medical Inc. MT$13.5M · 0.04%
Foundant Technologies MT$10.3M · 0.85%
Energy Laboratories, Inc. MT$8.6M · 0.51%
Wildfire Defense Systems MT$6.3M · 0.57%

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Source: U.S. Department of Labor, Form 5500 series, EIN 810391256 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.