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Original filing (PDF)20251010112820NAL0008055201001
BARNARD CONSTRUCTION COMPANY, INC.
Form 5500
FILING_RECEIVED
SAVE MORE RETIREMENT PLAN AND TRUST
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
523
Accounts w/ balance
962
Plan assets (EOY)
$127.1M
Net assets (EOY)
$127.1M
How this plan invests
This plan
1 pooled trust
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
96
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
85
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
Helping the score
- Below-peer total fees (1 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BARNARD CONSTRUCTION COMPANY, INC..
Plan sponsor
Name
BARNARD CONSTRUCTION COMPANY, INC.
EIN
81-0384712
Address
P.O. BOX 99 · BOZEMAN, MT · 597710099
Phone
(406) 586-1995
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
011
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
2E · Profit-sharing
2F · ERISA section 404(c)
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
EIDE BAILLY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | -$2K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $19K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
34 direct securities · 1 pooled fund· $130.0M(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
$121.3M
34 holdings
Common Collective Trust
$8.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Blue Chip Growth K Mutual Fund N/A | — | — | — | $21.5M | 16.9% | |
| Fidelity 500 Index Fund Mutual Fund N/A | — | — | — | $11.4M | 9.0% | |
| Vanguard Equity-Income Fund Adm Mutual Fund N/A | — | — | — | $8.7M | 6.9% | |
| Galliard Stable Fund C Common Collective Trust N/A | — | — | — | $8.7M | 6.8% | |
| GALLIARD STBLE RTN C SEI TRUST COMPANY · EIN 52-2250946 / PN 001 | Common Collective Trust | — | — | $8.7M | 6.8% | |
| American Funds Target Date 2025 R6 Mutual Fund N/A | — | — | — | $5.3M | 4.2% | |
| American Funds Target Date 2040 R6 Mutual Fund N/A | — | — | — | $5.3M | 4.1% | |
| Fidelity Total Bond Mutual Fund N/A | — | — | — | $4.3M | 3.4% | |
| American Funds Target Date 2050 R6 Mutual Fund N/A | — | — | — | $4.3M | 3.4% | |
| American Funds Target Date 2030 R6 Mutual Fund N/A | — | — | — | $4.2M | 3.3% | |
| MFS International Diversification Fund R4 Mutual Fund N/A | — | — | — | $4.1M | 3.2% | |
| Loomis Sayles Small Cap Growth Mutual Fund N/A | — | — | — | $3.9M | 3.1% | |
| American Funds Target Date 2035 R6 Mutual Fund N/A | — | — | — | $3.8M | 3.0% | |
| American Funds Target Date 2045 R6 Mutual Fund N/A | — | — | — | $3.5M | 2.8% | |
| Eaton Vance Atlanta Capital SMID-Cap I Mutual Fund N/A | — | — | — | $3.4M | 2.7% | |
| American Funds Target Date 2060 R6 Mutual Fund N/A | — | — | — | $3.4M | 2.7% | |
| American Funds Target Date 2055 R6 Mutual Fund N/A | — | — | — | $3.2M | 2.5% | |
| American Century Mid Cap Value Fund R5 Mutual Fund N/A | — | — | — | $2.8M | 2.2% | |
| Fidelity International Capital Appreciation Mutual Fund N/A | — | — | — | $2.6M | 2.0% | |
| American Beacon Small Cap Value Fund Y Mutual Fund N/A | — | — | — | $2.6M | 2.0% | |
| American Funds Target Date 2015 R6 Mutual Fund N/A | — | — | — | $2.4M | 1.9% | |
| Fidelity Inflation- Protected Bond Index Mutual Fund N/A | — | — | — | $2.3M | 1.8% | |
| T. Rowe Price International Discovery Mutual Fund N/A | — | — | — | $1.8M | 1.4% | |
| Pgim High Yield Fund R4 Mutual Fund N/A | — | — | — | $1.7M | 1.4% | |
| Fidelity Mid Cap Index Mutual Fund N/A | — | — | — | $1.2M | 1.0% | |
| American Funds Target Date 2065 R6 Mutual Fund N/A | — | — | — | $1.1M | 0.9% | |
| American Funds Target Date 2020 R6 Mutual Fund N/A | — | — | — | $951K | 0.7% | |
| Fidelity Total International Index Mutual Fund N/A | — | — | — | $852K | 0.7% | |
| Fidelity US Bond Index Mutual Fund N/A | — | — | — | $740K | 0.6% | |
| Lord Abbett Bond Debenture R5 Mutual Fund N/A | — | — | — | $439K | 0.3% | |
| Fidelity Self Directed Brokerage Link Self-Directed Brokerage Fund N/A | — | — | — | $430K | 0.3% | |
| Fidelity Small Cap Index Mutual Fund N/A | — | — | — | $236K | 0.2% | |
| Notes Receivable from Participants (Maturing 2025-2034 at Interest Rates of 5.25% - 10.50%) - | — | — | — | $209K | 0.2% | |
| American Funds Target Date 2010 R6 Mutual Fund N/A | — | — | — | $28K | <0.1% | |
| Fidelity Government Money Market Money Market Mutual Fund N/A | — | — | — | $23K | <0.1% |
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