Town Pump, Et Al 401(k) Review & Grade
Town Pump, Et Al 401(k) Plan
Butte, MTRetail Trade4,178 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,056Employer $ per active participant
$839Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$90.4MNet plan assets, end of year
$35,940Average balance per account
Score breakdown
- Employer generosity34.3 / 5069th percentile for employer $ per participant
- Low cost7.5 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving2.1 / 1514th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 30th |
| Employee saving | 14th |
| Peers that auto-enroll | 42% |
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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
- Town Pump, Et Al put in about $1,056 per active participant, more than the typical peer ($650). 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 (0.23% of assets) are well above similar-size plans (0.12%). 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 | $4,410,273 |
| Participant (employee) contributions | $3,507,164 |
| Other contributions (incl. rollovers in) | $213,715 |
| Administrative expenses paid from the plan | $197,233 |
| Contract administrator fees | $197,233 |
| Benefits paid out | $10,351,319 |
| Net assets, start / end of year | $81.2M / $90.4M |
| Active participants, start / end of year | 4,110 / 4,246 |
| Participants with account balances | 2,514 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $197,232 reported compensation |
| Wilshire Advisors LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916161512NAL0001998017001, received 2025-09-16, EIN 81-0270360, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.