Krist Oil Co. 401(k) Plan: Login, Facts & Contact Information

Krist Oil Co. 401(k) Plan Facts

Plan name
KRIST OIL CO. RETIREMENT SAVINGS PLAN AND TRUST
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
KRIST OIL CO.
Participants
482 (477 active employees)
Plan assets
$8,914,484 at Sep 30, 2025
Average account balance
$90,964 across 98 accounts
Employer contributions
$167,315 in plan year 2024 (27% of all contributions)
Plan year
Oct 1, 2024 – Sep 30, 2025
Plan established
Oct 1, 1991
✓ 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-SF for plan year 2024 (Oct 1, 2024 – Sep 30, 2025), filed Mar 26, 2026. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $628,823 went into the plan in contributions, $167,315 of it from the employer (27%).
  • $210,790 was paid out to participants.
  • Investment and other income added $952,462.

How the Krist Oil Co. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019286$4.49 million$133,229$81,606
2020302$5.49 million$138,569$855,651
2021326$4.54 million$144,654$337,085
2022305$5.71 million$154,729$176,793
2023385$7.55 million$154,519$284,244
2024482$8.91 million$167,315$210,790

Krist Oil Co. 401(k) Contact Information

Phone
906-265-6144
Mailing address
303 SELDEN ROAD, IRON RIVER MI 49935
Plan sponsor
KRIST OIL CO.
Employer identification number (EIN)
38-1798214
Plan number
002

Questions about the Krist Oil Co. 401(k)

Does Krist Oil Co contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $167,315, 27% of all contributions.

Does the Krist Oil Co 401(k) have automatic enrollment?

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

How many people are in the Krist Oil Co 401(k) plan?

482 participants at the start of plan year 2024, 477 of them active employees.

What is the average 401(k) balance at Krist Oil Co?

About $90,964 per account: $8.91 million in plan assets across 98 accounts with a balance at the end of plan year 2024.

Who manages the Krist Oil Co 401(k) accounts?

BMO Harris Bank is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Krist Oil Co. How do I access my 401(k)?

Your account stays with BMO Harris Bank 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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