How big is Mid-Rivers Telephone Cooperative, Inc.'s plan?

Mid-Rivers Telephone Cooperative, Inc.'s plan reported $40.1M in assets and 102 participants for 2024.

Original filing (PDF)20250828093754NAL0005439843001

Mid-Rivers Telephone Cooperative, Inc.

Name: Mid-Rivers Telephone Cooperative, Inc. — Form 5500 Plan 003 (2024)
Creator: Mid-Rivers Telephone Cooperative, Inc.
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Mid-Rivers Telephone Cooperative Employees' Savings Plan and Trust

401(k) retirement plan · Mid-Rivers Telephone Cooperative, Inc.'s Mid-Rivers Telephone Cooperative Employees' Savings Plan and Trust held $40.1M in plan assets for 102 participants in 2024, with Principal as recordkeeper.

Signals · 2

15% employer stockHigh average account balance

Active participants

102

Accounts w/ balance

122

Plan assets (EOY)

$40.1M

Net assets (EOY)

$40.1M

People on this filing

Craig DYK signed Mid-Rivers Telephone Cooperative, Inc.'s 2024 Form 5500 as plan administrator.

Craig DYK — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Mid-Rivers Telephone Cooperative, Inc.'s EIN is 81-0239277.

EIN 81-0239277

Plan number 003

Plan year 2024

ACK ID 20250828093754NAL0005439843001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Mid-Rivers Telephone Cooperative, Inc. from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Mid-Rivers Telephone Cooperative, Inc.'s plan includes profit-sharing, ERISA 404(c) participant direction, a 401(k) feature, automatic enrollment, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for MID-RIVERS TELEPHONE COOPERATIVE, INC..

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How this plan invests

This plan

8 pooled trusts

Schedule D

21 securities

funds · stocks · CUSIPs

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

Plan health score

Top-tier plan health

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

100

Helping the score

High average account balance (100th percentile).

Plan sponsor

Name

MID-RIVERS TELEPHONE COOPERATIVE, INC.

EIN

all filings

Address

P.O. BOX 280 · CIRCLE, MT · 59215

Phone

(406) 485-3301

Industry

Utilities

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

003

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-08-28

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2S · Automatic enrollment

2T · Default investment account (QDIA)

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

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
PRINCIPAL LIFE INSURANCE COMPANY	42-0127290	—	CONTRACT ADMINISTRATOR	$68K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
WILSHIRE ADVISORS LLC	95-2755361	—	INVESTMENT ADVISORY	$0	—

Investments

21 direct securities · 8 pooled funds· $36.6M(91% 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.

Mutual Funds

$19.6M

15 holdings

Common Collective Trust

$8.4M

8 holdings

Common Stocks

$5.5M

1 holding

Common Collective Trusts

$2.2M

3 holdings

Bonds / Notes

$534K

1 holding

U.S. Treasuries

$369K

1 holding

					% of plan
Principal Life Insurance Company Fixed Income Guaranteed Option Annuity Contract N/A	Common Stocks	—	—	$5.5M	13.8%
American Funds Growth Fund of America R6 Fund Mutual Fund N/A	Mutual Funds	—	—	$4.7M	11.6%
PRIN/BR S&P 500 INDEX CIT N SEI TRUST COMPANY · EIN 94-3224211 / PN 001	Common Collective Trust	—	—	$3.7M	9.3%
Vanguard Target Retirement 2050 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$3.1M	7.6%
Vanguard Target Retirement 2030 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$2.5M	6.4%
Vanguard Target Retirement 2040 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$2.2M	5.5%
PRIN/MFS VALUE CIT N SEI TRUST COMPANY · EIN 45-6648640 / PN 001	Common Collective Trust	—	—	$1.7M	4.3%
PRIN/MULTI SM CAP CIT N SEI TRUST COMPANY · EIN 45-6648658 / PN 001	Common Collective Trust	—	—	$1.5M	3.9%
Fidelity Large Cap Value Index Fund Mutual Fund N/A 624 * Principal Global Investors Core Fixed Income Fund Mutual Fund N/A	Common Collective Trusts	—	—	$1.5M	3.7%
MFS MidCap Value R6 Fund Mutual Fund N/A	Mutual Funds	—	—	$1.4M	3.5%
Vanguard Target Retirement 2055 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$1.4M	3.5%
Vanguard Target Retirement 2035 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$1.1M	2.7%
Vanguard Target Retirement 2025 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$996K	2.5%
American Funds Euro Pacific Growth R6 Fund Mutual Fund N/A	Mutual Funds	—	—	$798K	2.0%
Vanguard Target Retirement 2045 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$603K	1.5%
SEI Trust Company -Principal/BlackRock Intnl Equity Index CIT Collective Trust Fund N/A	Common Collective Trusts	—	—	$587K	1.5%
PRIN/BR INTL EQ INDX CIT N SEI TRUST COMPANY · EIN 52-2265229 / PN 001	Common Collective Trust	—	—	$587K	1.5%
Notes receivable from participants Maturing 2025-2046 at Interest rates of 4.25% to 9.50% -	Bonds / Notes	—	—	$534K	1.3%
PRIN/BR S&P MID INDEX CIT N SEI TRUST COMPANY · EIN 52-2265235 / PN 001	Common Collective Trust	—	—	$373K	0.9%
Federated Hermes Total Return Government Bond Instl Fund Mutual Fund N/A	U.S. Treasuries	—	—	$369K	0.9%
Vanguard Target Retirement Income Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$339K	0.8%
PRIN/BR AGG BD INDEX CIT N SEI TRUST COMPANY · EIN 20-5699010 / PN 001	Common Collective Trust	—	—	$310K	0.8%
Vanguard Target Retirement 2060 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$276K	0.7%
PRIN/BR RUSS 2000 I CIT N SEI TRUST COMPANY · EIN 52-2265233 / PN 001	Common Collective Trust	—	—	$168K	0.4%
Fidelity Large Cap Growth Index Fund Mutual Fund N/A	Common Collective Trusts	—	—	$150K	0.4%
Vanguard Target Retirement 2020 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$124K	0.3%
Vanguard Target Retirement 2065 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$33K	<0.1%
Vanguard Target Retirement 2070 Inv Fund Mutual Fund N/A	Mutual Funds	—	—	$1K	<0.1%
ALLSPRING CORE BD CIT N SEI TRUST COMPANY · EIN 94-3222878 / PN 001	Common Collective Trust	—	—	$0	<0.1%