Ranch and Home Supply, LLC 401(k) Review & Grade
Ranch and Home Supply, LLC 401(k) Plan
Bozeman, MTRetail Trade1,612 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,000Employer $ per active participant
$1,916Employee $ saved per active participant
0.76%Direct admin cost, % of plan assets
$40.9MNet plan assets, end of year
$20,780Average balance per account
Score breakdown
- Employer generosity30.8 / 5062th percentile for employer $ per participant
- Low cost2.8 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving4.9 / 1533th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 11th |
| Employee saving | 33th |
| Peers that auto-enroll | 48% |
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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
- Ranch and Home Supply put in about $1,000 per active participant, more than the typical peer ($743). 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.
- Direct plan expenses (0.76% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,611,833 |
| Participant (employee) contributions | $3,087,738 |
| Other contributions (incl. rollovers in) | $582,789 |
| Administrative expenses paid from the plan | $288,984 |
| Contract administrator fees | $24,011 |
| Investment advisory & management fees | $137,388 |
| Benefits paid out | $3,386,833 |
| Net assets, start / end of year | $35.2M / $40.9M |
| Active participants, start / end of year | 1,382 / 1,841 |
| Participants with account balances | 1,966 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailley |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $127,585 reported compensation |
| LPL Financial | $107,727 reported compensation |
| Sannah Brandt LLC DBA | $24,011 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250801090649NAL0003122915001, received 2025-08-01, EIN 72-1542483, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.