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Original filing (PDF)20251008160119NAL0003135347001
LMLC OPERATIONS LLC
Form 5500
FILING_RECEIVED
LMLC OPERATIONS LLC RETIREMENT PLAN AND TRUST
401(k) retirement plan
Active participants
2,225
Accounts w/ balance
1,540
Plan assets (EOY)
$47.5M
Net assets (EOY)
$47.5M
How this plan invests
This plan
17 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
80
Knocking points off
- 48 bps in Schedule C fees — 65% above peer band of 29 bps.
- 69% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LMLC OPERATIONS LLC.
Plan sponsor
Name
LMLC OPERATIONS LLC
EIN
93-3834011
Address
1111 RESEARCH DRIVE, UNIT B · BOZEMAN, MT · 59718
Phone
(406) 548-3604
Industry
Real Estatesee 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
2025-10-08
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
RUDD & COMPANY, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $168K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONEDIGITAL INVESTMENT ADVISORS LLC | 43-1451524 | — | ADVISOR | $53K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $8K | — |
Investments
28 direct securities · 17 pooled funds· $82.3M(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
$46.6M
28 holdings
Common Collective Trust
$35.7M
17 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Retirement 2050 Target Date Fund | — | — | — | $5.8M | 12.3% | |
| TRP RETIRE 2050 C T. ROWE PRICE TRUST COMPANY · EIN 30-6303214 / PN 001 | Common Collective Trust | — | — | $5.8M | 12.3% | |
| T. Rowe Price Retirement 2055 Target Date Fund | — | — | — | $5.3M | 11.2% | |
| TRP RETIRE 2055 C T. ROWE PRICE TRUST COMPANY · EIN 35-6941728 / PN 001 | Common Collective Trust | — | — | $5.3M | 11.2% | |
| Fidelity 500 Index Mutual Fund | — | — | — | $5.2M | 10.8% | |
| T. Rowe Price Retirement 2040 Target Date Fund | — | — | — | $5.1M | 10.8% | |
| TRP RETIRE 2040 C T. ROWE PRICE TRUST COMPANY · EIN 35-6941729 / PN 001 | Common Collective Trust | — | — | $5.1M | 10.8% | |
| T. Rowe Price Retirement 2045 Target Date Fund | — | — | — | $5.0M | 10.6% | |
| TRP RETIRE 2045 C T. ROWE PRICE TRUST COMPANY · EIN 32-6199848 / PN 001 | Common Collective Trust | — | — | $5.0M | 10.6% | |
| T. Rowe Price Retirement 2035 Target Date Fund | — | — | — | $4.1M | 8.7% | |
| TRP RETIRE 2035 C T. ROWE PRICE TRUST COMPANY · EIN 36-7595013 / PN 001 | Common Collective Trust | — | — | $4.1M | 8.7% | |
| T. Rowe Price Retirement 2030 Target Date Fund | — | — | — | $3.5M | 7.3% | |
| TRP RETIRE 2030 C T. ROWE PRICE TRUST COMPANY · EIN 38-7010946 / PN 001 | Common Collective Trust | — | — | $3.5M | 7.3% | |
| T. Rowe Price Retirement 2060 Target Date Fund | — | — | — | $3.1M | 6.5% | |
| TRP RETIRE 2060 C T. ROWE PRICE TRUST COMPANY · EIN 47-1088316 / PN 001 | Common Collective Trust | — | — | $3.1M | 6.5% | |
| Fidelity Blue Chip Growth K6 Mutual Fund | — | — | — | $2.4M | 5.0% | |
| T. Rowe Price Retirement 2025 Target Date Fund | — | — | — | $1.2M | 2.5% | |
| TRP RETIRE 2025 C T. ROWE PRICE TRUST COMPANY · EIN 37-6495447 / PN 001 | Common Collective Trust | — | — | $1.2M | 2.5% | |
| T. Rowe Price Retirement 2065 Target Date Fund | — | — | — | $1.0M | 2.2% | |
| TRP RETIRE 2065 C T. ROWE PRICE TRUST COMPANY · EIN 85-1763138 / PN 001 | Common Collective Trust | — | — | $1.0M | 2.2% | |
| Fidelity Mid Cap Index Mutual Fund | — | — | — | $921K | 1.9% | |
| Fidelity International Index Mutual Fund | — | — | — | $655K | 1.4% | |
| American Beacon Large Cap Value R6 Mutual Fund | — | — | — | $630K | 1.3% | |
| JP Morgan Small Cap Growth R6 Mutual Fund | — | — | — | $432K | 0.9% | |
| Participant Loans 4.25% - 9.50%, maturing through 9/2034 -0- | — | — | — | $430K | 0.9% | |
| TRP STABLE VALUE Q T. ROWE PRICE TRUST COMPANY · EIN 52-1309931 / PN 003 | Common Collective Trust | — | — | $422K | 0.9% | |
| T. Rowe Price Retirement 2020 Target Date Fund | — | — | — | $421K | 0.9% | |
| TRP RETIRE 2020 C T. ROWE PRICE TRUST COMPANY · EIN 36-7594871 / PN 001 | Common Collective Trust | — | — | $421K | 0.9% | |
| Fidelity Small Cap Index Mutual Fund | — | — | — | $415K | 0.9% | |
| American Funds Euro Pacific Growth R6 Mutual Fund | — | — | — | $407K | 0.9% | |
| AS CORE PLUS BOND D1 SEI TRUST COMPANY · EIN 87-7012620 / PN 001 | Common Collective Trust | — | — | $311K | 0.7% | |
| Fidelity US Bond Index Mutual Fund | — | — | — | $240K | 0.5% | |
| C&S US REALTY RS SEI TRUST COMPANY · EIN 46-3411346 / PN 064 | Common Collective Trust | — | — | $156K | 0.3% | |
| T. Rowe Price Retirement 2015 Target Date Fund | — | — | — | $127K | 0.3% | |
| TRP RETIRE 2015 C T. ROWE PRICE TRUST COMPANY · EIN 35-6941654 / PN 001 | Common Collective Trust | — | — | $127K | 0.3% | |
| Allspring Special Small Cap Value Fund R6 Mutual Fund | — | — | — | $83K | 0.2% | |
| Jhancock Balanced R6 Mutual Fund | — | — | — | $59K | 0.1% | |
| T. Rowe Price Retirement Balanced Fund C Target Date Fund | — | — | — | $45K | <0.1% | |
| TRP RETIRE BAL C T. ROWE PRICE TRUST COMPANY · EIN 38-7011316 / PN 001 | Common Collective Trust | — | — | $45K | <0.1% | |
| T. Rowe Price Retirement 2005 Target Date Fund | — | — | — | $37K | <0.1% | |
| TRP RETIRE 2005 C T. ROWE PRICE TRUST COMPANY · EIN 61-6434302 / PN 001 | Common Collective Trust | — | — | $37K | <0.1% | |
| T. Rowe Price Retirement 2010 Target Date Fund | — | — | — | $36K | <0.1% | |
| TRP RETIRE 2010 C T. ROWE PRICE TRUST COMPANY · EIN 32-6199795 / PN 001 | Common Collective Trust | — | — | $36K | <0.1% | |
| Pimco Income Institutional Mutual Fund | — | — | — | $34K | <0.1% | |
| Fidelity Government Money Market Fund K6 Money Market Fund | — | — | — | $6K | <0.1% |