How big is Employee Benefit Management Services, Inc.'s plan?

Employee Benefit Management Services, Inc.'s plan reported $14.8M in assets and 346 participants for 2022.

Original filing (PDF)20231013093426NAL0032865761001

Employee Benefit Management Services, Inc.

Name: Employee Benefit Management Services, Inc. — Form 5500 Plan 001 (2022)
Creator: Employee Benefit Management Services, Inc.
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

EBMS Retirement Plan

401(k) retirement plan · Employee Benefit Management Services, Inc.'s EBMS Retirement Plan held $14.8M in plan assets for 346 participants in 2022, with Empower as recordkeeper.

Signals · 1

Late participant contributions

Active participants

346

Accounts w/ balance

423

Plan assets (EOY)

$14.8M

Net assets (EOY)

$14.8M

Plan identifiers

Employee Benefit Management Services, Inc.'s EIN is 81-0391256.

EIN 81-0391256

Plan number 001

Plan year 2022

ACK ID 20231013093426NAL0032865761001

Official Form 5500 document

Download the official 2022 Form 5500 (PDF) for Employee Benefit Management Services, Inc. from the U.S. Department of Labor's EFAST2 system.

Download the official 2022 Form 5500 (PDF)

Plan features

Employee Benefit Management Services, Inc.'s plan includes profit-sharing, ERISA 404(c) participant direction, a 401(k) feature, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for EMPLOYEE BENEFIT MANAGEMENT SERVICES, INC..

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How this plan invests

This plan

31 securities

funds · stocks · CUSIPs

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

Plan health score

Average plan with room to improve

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

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Delinquent participant contributions reported (Schedule H 4a) — 151K (8% of contributions).

Plan sponsor

Name

EMPLOYEE BENEFIT MANAGEMENT SERVICES, INC.

EIN

all filings

Address

2075 OVERLAND AVE · BILLINGS, MT · 59102

Phone

(406) 245-3575

Industry

All Other Professional Services· Professional & Technical Services

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2022

Plan year begin

2022-01-01

Tax period

2022-12-31

Filed

2023-10-13

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

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

3H · Sponsor in controlled / affiliated group

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
GREAT-WEST LIFE & ANNUITY INSURANCE	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$32K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
MERRILL LYNCH PIERCE FENNER & SMITH	—	PENNINGTON, NJ	INVESTMENT ADVISOR	$31K	—

Investments

31 direct securities· $14.8M(100% of reported assets)

Mutual Funds

$13.7M

22 holdings

Other securities

$544K

6 holdings

Common Collective Trusts

$390K

2 holdings

Bonds / Notes

$192K

1 holding

					% of plan
American Funds 2030 Target Date Retire R6	Mutual Funds	—	—	$1.4M	9.5%
American Funds New Perspective R6	Mutual Funds	—	—	$1.3M	8.9%
American Funds 2040 Target Date Refire R6	Mutual Funds	—	—	$1.2M	8.0%
American Funds Growth Fund of Amer R6	Mutual Funds	—	—	$1.2M	7.9%
American Funds Washington Mutual R6	Mutual Funds	—	—	$1.1M	7.3%
American Funds 2035 Target Date Retire R6	Mutual Funds	—	—	$1.1M	7.3%
American Funds Cap Inc Bldr R6	Mutual Funds	—	—	$971K	6.6%
American Funds 2025 Target Date Retire R6	Mutual Funds	—	—	$904K	6.1%
American Funds Capital World Gil R6	Mutual Funds	—	—	$813K	5.5%
American Funds 2045 Target Date Retire R6	Mutual Funds	—	—	$671K	4.5%
American Funds 2020 Target Date Retire R6	Mutual Funds	—	—	$667K	4.5%
American Funds 2050 Target Date Retire R6	Mutual Funds	—	—	$583K	3.9%
American Funds Inc Fund of Amer R6	Mutual Funds	—	—	$535K	3.6%
American Funds Europacific GR R6	Mutual Funds	—	—	$451K	3.0%
Empower Annuity Insurance Key Guaranteed Portfolio Fund	Other securities	—	—	$386K	2.6%
ISHARES S&P 500 Index K	Common Collective Trusts	—	—	$380K	2.6%
American Funds 2060 Target Date Retire R6	Mutual Funds	—	—	$354K	2.4%
American Funds 2055 Target Date Retire R6	Mutual Funds	—	—	$216K	1.5%
Participants 5.25% to 9.00%, maturing through 2027	Bonds / Notes	—	—	$192K	1.3%
American Funds American Balanced R6	Mutual Funds	—	—	$139K	0.9%
ISHARES MSCI EAFE International Index K	Other securities	—	—	$65K	0.4%
Delaware Small Cap Core R6	Other securities	—	—	$55K	0.4%
American Funds Bond Fund of Amer R6	Mutual Funds	—	—	$50K	0.3%
American Funds 2015 Target Date Retire R6	Mutual Funds	—	—	$28K	0.2%
American Funds Capital World Bond R6	Mutual Funds	—	—	$27K	0.2%
Blackrock Total Return Blackrock K 291 Delaware Emerging Markets Instl	Other securities	—	—	$20K	0.1%
American Funds New World Fund - R6	Mutual Funds	—	—	$17K	0.1%
American Funds 2010 Target Date Retire R6	Mutual Funds	—	—	$16K	0.1%
ISHARES Russel Mid-Cap Index K	Other securities	—	—	$15K	0.1%
ISHARES Russell 2000 Small-Cap Index K	Common Collective Trusts	—	—	$10K	<0.1%
!SHARES U. S. Aggregate Bond Index K	Other securities	—	—	$3K	<0.1%