Bear River Mutual Insurance Company 401(k) Plan: Login, Facts & Contact Information

Bear River Mutual Insurance Company 401(k) Plan Facts

Plan name
BEAR RIVER MUTUAL INSURANCE COMPANY PROFIT SHARING PLAN 401(K)
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
BEAR RIVER MUTUAL INSURANCE COMPANY
Participants
195 (171 active employees)
Former employees with a balance
42
Plan assets
$18,387,870 at Dec 31, 2024
Average account balance
$89,697 across 205 accounts
Employer contributions
$463,878 in plan year 2024 (24% of all contributions)
Recordkeeper
Fidelity Investments Institutional
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1988
✓ 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 7, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $1.92 million went into the plan in contributions, $463,878 of it from the employer (24%).
  • $1.69 million was paid out to participants.
  • Investment and other income added $2.77 million.
  • Administrative expenses were $4,993, about $24 per account.

How the Bear River Mutual Insurance Company 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019133$11.3 million$271,208$1.09 million
2020134$13.8 million$269,930$321,327
2021133$14.4 million$291,718$2.67 million
2022133$12.2 million$309,020$672,598
2023148$15.4 million$364,636$772,368
2024195$18.4 million$463,878$1.69 million

Bear River Mutual Insurance Company 401(k) Contact Information

Phone
801-267-5047
Mailing address
778 E. WINCHESTER, MURRAY UT 84107
Plan sponsor
BEAR RIVER MUTUAL INSURANCE COMPANY
Employer identification number (EIN)
87-0114580
Plan number
002

Questions about the Bear River Mutual Insurance Company 401(k)

Does Bear River Mutual Insurance Company contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $463,878, 24% of all contributions.

Does the Bear River Mutual Insurance Company 401(k) have automatic enrollment?

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

How many people are in the Bear River Mutual Insurance Company 401(k) plan?

195 participants at the start of plan year 2024, 171 of them active employees, and 42 former employees who still had money in the plan.

What is the average 401(k) balance at Bear River Mutual Insurance Company?

About $89,697 per account: $18.4 million in plan assets across 205 accounts with a balance at the end of plan year 2024.

Who manages the Bear River Mutual Insurance Company 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 Bear River Mutual Insurance Company. 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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