Original filing (PDF)20250929183127NAL0027474306001

LOENBRO, LLC.

Name: LOENBRO, LLC. — LOENBRO, LLC 401(K) PLAN, Form 5500 (2024)
Creator: LOENBRO, LLC.

Form 5500

FILING_RECEIVED

LOENBRO, LLC 401(K) PLAN

401(k) retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

1,477

Accounts w/ balance

416

Plan assets (EOY)

$17.3M

Net assets (EOY)

$17.3M

How this plan invests

This plan

8 pooled trusts

Schedule D

38 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 100

Grade B

Above-average plan

Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.

Compliance & disclosures

100

Concentration risk

100

Total plan cost

Vendor stack

Participation health

Knocking points off

58 bps in Schedule C fees — 98% above peer band of 29 bps.
No recordkeeper disclosed on Schedule C.
Only 28% as many balances as active participants — suggests many active employees aren't deferring.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LOENBRO, LLC..

Plan sponsor

Name

LOENBRO, LLC.

EIN

38-3924889

Address

1900 32ND AVE. N.E. · BLACK EAGLE, MT · 59414

Phone

(406) 453-1542

Industry

Constructionsee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-09-29

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

BDO USA, P.C.

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

3 rows

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
CREATIVE PLANNING, INC.	43-1270780	—	INVESTMENT ADVISORY	$0	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
PRINCIPAL LIFE INSURANCE COMPANY	42-0127290	—	CONTRACT ADMINISTRATOR	$100K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
CREATIVE PLANNING, LLC	84-4519624	—	INV ADV, PARTICIPANTS	$0	—

Investments

32 direct securities · 8 pooled funds· $17.4M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.

Uncategorized

$16.9M

30 holdings

Common Collective Trust

$207K

5 holdings

Pooled Separate Account

$116K

3 holdings

Pooled Separate Accounts

$85K

1 holding

Mutual Funds

$18K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
Vanguard Target Retirement 2045 Inv	—	—	—	$2.6M	15.0%
Vanguard Target Retirement 2050 Inv	—	—	—	$2.6M	14.8%
Vanguard Target Retirement 2055 Inv	—	—	—	$1.8M	10.3%
Vanguard Target Retirement 2040 Inv	—	—	—	$1.8M	10.3%
Vanguard 500 Index Admiral	—	—	—	$1.4M	8.2%
Vanguard Target Retirement 2035 Inv	—	—	—	$1.1M	6.2%
MFS Growth R6	—	—	—	$919K	5.3%
Vanguard Target Retirement 2060 Inv	—	—	—	$788K	4.5%
Vanguard Target Retirement 2030 Inv	—	—	—	$760K	4.4%
Vanguard Target Retirement 2025 Inv	—	—	—	$716K	4.1%
Vanguard Mid Cap Index Admiral	—	—	—	$440K	2.5%
Vanguard Total International Stock Index Admiral	—	—	—	$415K	2.4%
Vanguard Target Retirement 2065 Inv	—	—	—	$283K	1.6%
Vanguard Small Cap Index Admiral	—	—	—	$251K	1.4%
Putnam Large Cap Value R6	—	—	—	$169K	1.0%
PUTNAM STABLE VALUE FUND (15) PUTNAM FIDUCIARY TRUST COMPANY · EIN 04-3159710 / PN 202	Common Collective Trust	—	—	$156K	0.9%
Vanguard Target Retirement 2020 Inv	—	—	—	$151K	0.9%
MFS International Diversification R6	—	—	—	$150K	0.9%
Janus Henderson Global Real Estate N	—	—	—	$145K	0.8%
Vanguard Total Bond Market Index Admiral	—	—	—	$144K	0.8%
Vanguard Target Retirement Income Inv	—	—	—	$98K	0.6%
s * Principal Life Insurance Company Large Cap S&P 500 Index Sep Acct+	Pooled Separate Accounts	—	—	$85K	0.5%
PRIN LGCP S&P 500 IDX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016	Pooled Separate Account	—	—	$85K	0.5%
BlackRock Mid-Cap Growth Equity K	—	—	—	$73K	0.4%
DFA Intermediate Government Fixed Income I 586 PIMCO Income Institutional	—	—	—	$69K	0.4%
J.P Morgan Undiscovered Managers Behavioral Val R6	—	—	—	$47K	0.3%
STATE ST WD DV EX US IDX II FD STATE STREET BANK AND TRUST COMPANY · EIN 04-0025081 / PN 034	Common Collective Trust	—	—	$29K	0.2%
American Century Mid-Cap Value R6	—	—	—	$22K	0.1%
DFA Inflation Protected Securities I	—	—	—	$19K	0.1%
Pioneer Bond K Fund	Mutual Funds	—	—	$18K	0.1%
Principal Life Insurance Company Mid Cap S&P 400 Index Sep Acct+	—	—	—	$16K	<0.1%
PRIN MIDCAP S&P 400 IDX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023	Pooled Separate Account	—	—	$16K	<0.1%
(E)	—	—	$8K	$15K	<0.1%
Virtus KAR Small Cap Growth R6	—	—	—	$15K	<0.1%
STATE STREET EM IDX SL II FD STATE STREET GLOBAL ADVISORS · EIN 32-6528132 / PN 035	Common Collective Trust	—	—	$15K	<0.1%
PRIN SMCAP S&P 600 INDEX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028	Pooled Separate Account	—	—	$15K	<0.1%
Vanguard Target Retirement 2070 Inv	—	—	—	$8K	<0.1%
STATE STREET US BD ID SL XIV STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 477	Common Collective Trust	—	—	$4K	<0.1%
STABLE VALUE FIXED INCOME CIT ALTA TRUST COMPANY · EIN 88-2465398 / PN 001	Common Collective Trust	—	—	$3K	<0.1%
Vanguard Real Estate Index Admiral	—	—	—	$2K	<0.1%