Barnard Construction Company, Inc. 401(k) Plan: Login, Facts & Contact Information

Barnard Construction Company, Inc. 401(k) Plan Facts

Plan name
SAVE MORE RETIREMENT PLAN AND TRUST
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
BARNARD CONSTRUCTION COMPANY, INC.
Participants
1,266 (523 active employees)
Former employees with a balance
482
Plan assets
$127,136,189 at Dec 31, 2024
Average account balance
$132,158 across 962 accounts
Employer contributions
$7,484,550 in plan year 2024 (56% of all contributions)
Recordkeeper
Fidelity Investments Institutional
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Apr 1, 1985
✓ Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments✓ Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 10, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $13.3 million went into the plan in contributions, $7.48 million of it from the employer (56%).
  • $7.80 million was paid out to participants.
  • Investment and other income added $16.1 million.
  • Administrative expenses were $17,348, about $18 per account.

How the Barnard Construction Company, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019966$74.1 million$5.03 million$4.18 million
2020926$94.2 million$12.2 million$9.99 million
20211,184$102.3 million$6.13 million$14.9 million
2022922$90.5 million$5.11 million$4.41 million
2023905$105.7 million$6.17 million$11.5 million
20241,266$127.1 million$7.48 million$7.80 million

Barnard Construction Company, Inc. 401(k) Contact Information

Phone
406-586-1995
Mailing address
P.O. BOX 99, BOZEMAN MT 597710099
Plan sponsor
BARNARD CONSTRUCTION COMPANY, INC.
Employer identification number (EIN)
81-0384712
Plan number
011

Questions about the Barnard Construction Company, Inc. 401(k)

Does Barnard Construction Company, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $7.48 million, 56% of all contributions.

Does the Barnard Construction Company, Inc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Barnard Construction Company, Inc 401(k) plan?

1,266 participants at the start of plan year 2024, 523 of them active employees, and 482 former employees who still had money in the plan.

What is the average 401(k) balance at Barnard Construction Company, Inc?

About $132,158 per account: $127.1 million in plan assets across 962 accounts with a balance at the end of plan year 2024.

Who manages the Barnard Construction Company, Inc 401(k) accounts?

Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INSTITUTIONAL) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Barnard Construction Company, Inc. How do I access my 401(k)?

Your account stays with Fidelity NetBenefits after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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