Retirement plan

RANCH AND HOME SUPPLY, LLC 401(K) PLAN

Name: RANCH AND HOME SUPPLY, LLC - RANCH AND HOME SUPPLY, LLC 401(K) PLAN (2024) Form 5500
Creator: RANCH AND HOME SUPPLY, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RANCH AND HOME SUPPLY, LLC 401(K) PLAN, RANCH AND HOME SUPPLY, LLC

RANCH AND HOME SUPPLY, LLCEIN 72-1542483Plan #001PY 2024

2311 NORTH SEVENTH AVENUE - BOZEMAN, MT 59715406-586-8466

Prospect flagsLow returnsLow assets / participant

How to read this page

Total assets (EOY)

$40.9M

+16.2% from 2023

Total participants

2,272

+25.9% from 2023

Average account balance

$20,780

-18.3% from 2023

Annual return

12.44%

-3.35 pp from 2023

Benchmarks

See 111 peers

Peer group

Industry45 - Retail Trade

Plan typeDefined contribution

Participants1,000-4,999

Cohort111 peers

Snapshot2024

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$40.85M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$21K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

1,966

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

83.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.70M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+12.44%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$147

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 5 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 OF AMERICA · GREENWOOD VILLAGE, CA 80111	Recordkeeping Fees	$127,585
LPL FINANCIAL1 year Service code 27 PO BOX 502533 · SAN DIEGO, CA 92150	Advisory (Plan)	$107,727
SANNAH M BRANDT LLC DBA UPA1 year Filed as: SANNAH BRANDT LLC DBA Service code 13 UNITED PENSION ADMINISTRATION · BOZEMAN, MT 59715	Contract Administrator	$24,011
LEAFHOUSE FINANCIAL ADVISORS, LLC1 year Filed as: LEAFHOUSE FINANCIAL ADVISOR LLC Service code 27 6300 BRIDGE POINT PKWY BUILDING 1 · AUSTIN, TX 78730	Advisory (Plan)	$18,889
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 E ORCHARD RD · GREENWOOD VILLAGE, CO 80111	Investment Management	$10,772

Plan features & details

Pension benefit codes2E2F2G2J2K3D3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$289K

$157 / participant

Recordkeeping$128K44.1%
Investment mgmt$137K47.5%
Contract admin$24K8.3%

% of EOY assets

0.707%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: EIDE BAILLEY
Auditor EIN: 450250958
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$20,780

$58,336-64.4%

$97,295-78.6%

$200,096-89.6%

Participation rate

83.4%

63.8%+19.6pp

72.7%+10.7pp

72.0%+11.4pp

Annual return

12.44%

32.81%-20.4pp

75.62%-63.2pp

34.26%-21.8pp

Employer contribution / active EE

$876

$1,416-38.2%

$2,723-67.8%

$3,038-71.2%

Participant deferral / active EE

$1,677

$3,240-48.2%

$4,264-60.7%

$5,090-67.0%

Admin fee / account holder

$147

$114+29.0%

$5,646-97.4%

$269-45.4%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

OF AMERICA · GREENWOOD VILLAGE, CA 80111

Recordkeeping Fees

$127,585

LPL FINANCIAL1 year

Service code 27

PO BOX 502533 · SAN DIEGO, CA 92150

Advisory (Plan)

$107,727

SANNAH M BRANDT LLC DBA UPA1 year

Filed as: SANNAH BRANDT LLC DBA

Service code 13

UNITED PENSION ADMINISTRATION · BOZEMAN, MT 59715

Contract Administrator

$24,011

LEAFHOUSE FINANCIAL ADVISORS, LLC1 year

Filed as: LEAFHOUSE FINANCIAL ADVISOR LLC

Service code 27

6300 BRIDGE POINT PKWY BUILDING 1 · AUSTIN, TX 78730

Advisory (Plan)

$18,889

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EMPOWER ADVISORY GROUP LLC

Service code 28

8515 E ORCHARD RD · GREENWOOD VILLAGE, CO 80111

Investment Management

$10,772

RANCH AND HOME SUPPLY, LLC 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RANCH AND HOME SUPPLY, LLC 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion