Rocky Mountain Chocolate Factory, Inc. 401(k) Plan: Login, Facts & Contact Information

Rocky Mountain Chocolate Factory, Inc. 401(k) Plan Facts

Plan name
ROCKY MOUNTAIN CHOCOLATE FACTORY, INC. 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
ROCKY MOUNTAIN CHOCOLATE FACTORY
Participants
199 (108 active employees)
Former employees with a balance
71
Plan assets
$10,701,058 at Feb 28, 2025
Average account balance
$62,579 across 171 accounts
Employer contributions
$55,042 in plan year 2024 (13% of all contributions)
Recordkeeper
Principal Life Insurance Company
Plan year
Mar 1, 2024 – Feb 28, 2025
Plan established
Jun 1, 1994
✓ 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 (Mar 1, 2024 – Feb 28, 2025), filed Nov 4, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $412,338 went into the plan in contributions, $55,042 of it from the employer (13%).
  • $913,776 was paid out to participants.
  • Investment and other income added $1.06 million.
  • Administrative expenses were $57,975, about $339 per account.

How the Rocky Mountain Chocolate Factory, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019219$8.22 million$61,429$168,239
2020202$10.3 million$61,883$171,095
2021195$10.2 million$67,191$1.07 million
2022205$8.67 million$69,429$1.28 million
2023217$10.2 million$57,264$402,299
2024199$10.7 million$55,042$913,776

Rocky Mountain Chocolate Factory, Inc. 401(k) Contact Information

Phone
970-382-7311
Mailing address
265 TURNER DRIVE, DURANGO CO 81303
Plan sponsor
ROCKY MOUNTAIN CHOCOLATE FACTORY
Employer identification number (EIN)
84-0910696
Plan number
001

Questions about the Rocky Mountain Chocolate Factory, Inc. 401(k)

Does Rocky Mountain Chocolate Factory, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $55,042, 13% of all contributions.

Does the Rocky Mountain Chocolate Factory, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Rocky Mountain Chocolate Factory, Inc 401(k) plan?

199 participants at the start of plan year 2024, 108 of them active employees, and 71 former employees who still had money in the plan.

What is the average 401(k) balance at Rocky Mountain Chocolate Factory, Inc?

About $62,579 per account: $10.7 million in plan assets across 171 accounts with a balance at the end of plan year 2024.

Who manages the Rocky Mountain Chocolate Factory, Inc 401(k) accounts?

Principal (listed on the filing as PRINCIPAL LIFE INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Rocky Mountain Chocolate Factory, Inc. How do I access my 401(k)?

Your account stays with Principal 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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