Five Rivers Cattle Feeding, LLC 401(k) Review & Grade
Five Rivers Cattle Feeding, LLC 401(k) Plan
Johnstown, COAgriculture, Forestry, Fishing & Hunting634 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,631Employer $ per active participant
$2,766Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$35.8MNet plan assets, end of year
$71,123Average balance per account
Score breakdown
- Employer generosity33.3 / 5067th percentile for employer $ per participant
- Low cost13.1 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving9.0 / 1560th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 53th |
| Employee saving | 60th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Five Rivers Cattle Feeding put in about $1,631 per active participant, more than the typical peer ($774). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $1,033,915 |
| Participant (employee) contributions | $1,753,613 |
| Other contributions (incl. rollovers in) | $21,057 |
| Administrative expenses paid from the plan | $72,284 |
| Investment advisory & management fees | $21,193 |
| Benefits paid out | $3,492,390 |
| Net assets, start / end of year | $32.8M / $35.8M |
| Active participants, start / end of year | 646 / 622 |
| Participants with account balances | 503 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Coker and Company LLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $60,807 reported compensation |
| Empower Advisory Group, LLC | $21,193 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014144845NAL0001529987001, received 2025-10-14, EIN 26-0111691, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.