Consumer Direct Management Solutions 401(k) Plan: Login, Facts & Contact Information

Consumer Direct Management Solutions 401(k) Plan Facts

Plan name
CONSUMER DIRECT MANAGEMENT SOLUTIONS 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
CONSUMER DIRECT MANAGEMENT SOLUTIONS
Participants
3,816 (5,654 active employees)
Former employees with a balance
113
Plan assets
$10,817,346 at Dec 31, 2024
Average account balance
$16,929 across 639 accounts
Employer contributions
$295 in plan year 2024
Recordkeeper
Fidelity Investments Institutional
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
May 1, 2008
✓ 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 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $2.75 million went into the plan in contributions, $295 of it from the employer (0%).
  • $810,580 was paid out to participants.
  • Investment and other income added $1.17 million.
  • Administrative expenses were $30,861, about $48 per account.

How the Consumer Direct Management Solutions 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20193,844$2.73 million$3,749$372,603
20203,633$3.82 million$0$396,588
20213,153$5.21 million$424$468,190
20223,408$5.37 million$0$947,049
20233,390$7.86 million$13,549$838,115
20243,816$10.8 million$295$810,580

Consumer Direct Management Solutions 401(k) Contact Information

Phone
406-532-1900
Mailing address
100 CONSUMER DIRECT WAY SUITE 428, MISSOULA MT 59808
Plan sponsor
CONSUMER DIRECT MANAGEMENT SOLUTIONS
Employer identification number (EIN)
20-1378311
Plan number
001

Questions about the Consumer Direct Management Solutions 401(k)

Does Consumer Direct Management Solutions contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $295, 0% of all contributions.

Does the Consumer Direct Management Solutions 401(k) have automatic enrollment?

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

How many people are in the Consumer Direct Management Solutions 401(k) plan?

3,816 participants at the start of plan year 2024, 5,654 of them active employees, and 113 former employees who still had money in the plan.

What is the average 401(k) balance at Consumer Direct Management Solutions?

About $16,929 per account: $10.8 million in plan assets across 639 accounts with a balance at the end of plan year 2024.

Who manages the Consumer Direct Management Solutions 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 Consumer Direct Management Solutions. 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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