Plan Ledger DOL Form 5500 · updated monthly

Western Montana Clinic, P.C.401(k)

TAMARACK MANAGEMENT INC. 401K PROFIT SHARING PLAN · MISSOULA, MT · plan year 2024

Reported admin expense ratio · 2024
0.21%

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

Western Montana Clinic, P.C. reported $95,528 in plan administrative expenses for 2024: 0.21% of average plan assets, below the peer median. Employer contributions averaged $3,349 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 2 years on file its reported administrative ratio fell from 0.24% to 0.21%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other health care & social assistance employers. By assets it is the 26th-largest of 229 plans among Montana employers on file, and the 1,980th of 11,911 in health care & social assistance. In 2024, employees put in $2.10 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$46,833,186
Participants with balances329
Active participants200
Employer contributions$669,770
Employee contributions$1,405,245
Employer contribution per active participant$3,349
Average account balance$142,350
Benefits paid to participants$3,982,051
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$46.8M · 329 accts · $670K emplr
2023$43.0M · 342 accts · $1.4M emplr
2022$37.4M · 355 accts · $1.2M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$88,497
Investment management$7,031
Total administrative$95,528
The Western Montana Clinic, P.C. 401(k) match · 2024
Employer contribution per active participant$3,349
Median for plans this size$2,416
2024$3,349 per active participant
2023$6,588 per active participant
2022$5,847 per active participant

Western Montana Clinic, P.C.'s 2024 employer contribution ran above the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
AMERICAN TRUST COMPANY · Loan processing · Custodial$88,497
CREATIVE PLANNING · Investment advisory (plan)$7,031

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$95,528 · 0.21%
2023$92,869 · 0.23%
2022$95,741 · 0.24%
Similar plansHealth Care & Social Assistance · Montana
Logan Health MT$500.4M · 0.14%
St. Peters Health MT$130.1M · 0.22%
Great Falls Clinic MT$40.9M · 0.30%
Livingston Healthcare MT$32.5M · 0.35%
Sidney Health Center MT$32.1M · 0.35%

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Source: U.S. Department of Labor, Form 5500 series, EIN 810226415 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.