Rocky Mountain Chocolate Factory, Inc. 401(k): Principal, match 1.5% max
Rocky Mountain Chocolate Factory, Inc. 401(k) Plan · RMCF · CIK 1616262
Principal is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Matched to this employer by sponsor name, not by an identifier stated in the filing.
Maximum employer match, as a share of pay
1.5%
Rocky Mountain Chocolate Factory, Inc. matches 25% of the first 6% of pay.
From the Form 11-K filed August 25, 2026 ↗, covering the plan year ended February 28, 2026. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What Rocky Mountain Chocolate Factory puts in, and what the plan costs
What Rocky Mountain Chocolate Factory put into the plan, per active participant
$510
Rocky Mountain Chocolate Factory, Inc. put $510 into this plan for each of its 108 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
Rocky Mountain Chocolate Factory put in less per active participant than 94% of plans with 100–499 participants in food, beverage and tobacco manufacturing. The middle plan in that group of 643 reported $1,950. Food, beverage and tobacco comes from business code 311300, which Rocky Mountain Chocolate Factory entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
What this figure cannot separate: how much Rocky Mountain Chocolate Factory pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended February 28, 2025, EIN 840910696, plan 001 · DOL EFAST2 ↗
The $510 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Rocky Mountain Chocolate Factory, Inc. also files a Form 11-K, which states the match formula for plan year 2026: the card below reads $743 a year at a $49,500 salary, and the same filing states employer contributions made outside the match. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What Rocky Mountain Chocolate Factory puts in
$743
a year, at a $49,500 salary.
The match paragraph, word for word
“The Plan provides for Company matching contributions equal to 25% of the participant contributions up to 6% of each employee’s annual compensation for those employees employed as of the last day of the plan year.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 0%, 33%, 67%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“A participant becomes 100% vested in employer contributions after three years of continued service or upon the participant’s death or disability, or upon reaching retirement age. Otherwise, participants become 33% vested after year one, 67% vested after year two, and 100% vested after year three.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
79th percentile
$291.33 per participant in plan-paid administrative cost, more expensive than 79% of plans with 100–499 participants.
What is Rocky Mountain Chocolate Factory's 401(k) match formula?
Rocky Mountain Chocolate Factory's 401(k) employer match tops out at 1.5% of pay. The match is deposited once a year. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 25% of the first 6% of pay |
|---|---|
| Maximum employer match | 1.5% of compensation |
| Deposited | Once a year |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | Employee must be employed as of the last day of the Plan fiscal year to receive the employer match; the Company makes its matching contributions in a lump sum payment subsequent to fiscal year end. |
| Other employer contribution | Discretionary employer contribution (none made for the year ended February 28, 2026) |
At a $75,000 salary, contributing 6% ($4,500) earns the full employer match of $1,125 for the year.
What the filing says, word for word
“The Plan provides for Company matching contributions equal to 25% of the participant contributions up to 6% of each employee’s annual compensation for those employees employed as of the last day of the plan year.”
Source: Form 11-K filed August 25, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Rocky Mountain Chocolate Factory's 401(k) vesting schedule?
Rocky Mountain Chocolate Factory vests the employer match on a graded schedule: 33% after one year, rising to 100% after three. Each step is money that leaves with you that year, which is how a graded schedule differs from a cliff.
| Employer match vesting | Graded: 33% at 1 yr, 67% at 2 yr, 100% at 3 yr |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | death, disability, or upon reaching retirement age |
Vesting, word for word
“A participant becomes 100% vested in employer contributions after three years of continued service or upon the participant’s death or disability, or upon reaching retirement age. Otherwise, participants become 33% vested after year one, 67% vested after year two, and 100% vested after year three.”
Source: Form 11-K filed August 25, 2026, SEC EDGAR · SEC ↗
Who can join Rocky Mountain Chocolate Factory's 401(k), and is enrollment automatic?
Rocky Mountain Chocolate Factory enrolls new hires automatically at 3% of pay, rising 1% a year to 10% of pay.
| Plan entry | After 90 days of employment, effective for a Plan amendment on November 30, 2025; previously, an employee became eligible as of March 1, June 1, September 1, or December 1 following completion of 1,000 hours of service during a twelve consecutive month period beginning on the date of hire. |
|---|---|
| Match eligibility | An employee must have completed 1,000 hours of service and be employed on the last day of the Plan fiscal year to be eligible for employer matching contributions. |
| Automatic enrollment | Yes: default deferral 3% of pay; auto-escalation +1%/yr to 10% |
Eligibility, word for word
“Subsequent to November 30, 2025, an employee becomes eligible to participate in the Plan after 90 days of employment.”
Automatic enrollment, word for word
“Employees who become eligible to participate in the Plan are automatically enrolled at a deferral rate of 3% of eligible compensation unless they affirmatively elect a different percentage or decline participation in the Plan. The Plan provides for automatic escalation of elective deferrals with a 1% increase annually, up to 10% of eligible compensation.”
Source: Form 11-K filed August 25, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Principal, filed as “PRINCIPAL LIFE INSURANCE COMPANY”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
5,239 plans on file name Principal as their recordkeeper. Of those, the 5,230 with a computable fee have a median plan-paid cost of $170.05 per participant.
Participants log in at Principal ↗. 401(k) Monitor is not affiliated with Principal or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Principal |
|---|---|
| Recordkeeper EIN | 420127290 |
What does the Rocky Mountain Chocolate Factory plan report on Form 5500?
The Rocky Mountain Chocolate Factory plan reported $10.7M in assets and 199 participants for plan year 2024.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
| Plan named in the DOL record | Rocky Mountain Chocolate Factory, Inc. 401(k) Plan |
|---|---|
| Total plan assets | $10,701,058 |
| Participants | 199 |
| Plan-paid admin cost per participant | $291.33 |
How that cost compares
This plan pays $291.33 per participant. The median across plans in food, beverage and tobacco manufacturing is $108.05, from the 1,292 of 1,356 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Rocky Mountain Chocolate Factory, Inc. 401(k) Plan, which has no page of its own here.
How does Rocky Mountain Chocolate Factory's 401(k) match compare?
Rocky Mountain Chocolate Factory, Inc.'s maximum 401(k) match of 1.5% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in food, beverage and tobacco manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 3% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 3.5% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 4% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 2.1% of pay. Same recordkeeper, Principal.
Maximum match 3% of pay. Same recordkeeper, Principal.
Match vests in steps, 100% after 3 years. Also fully vested after 3 years, like Rocky Mountain Chocolate Factory.
Compare Rocky Mountain Chocolate Factory, Inc. with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed August 25, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is Rocky Mountain Chocolate Factory, Inc.'s 401(k) match?
Rocky Mountain Chocolate Factory, Inc. matches 25% of employee contributions up to 6% of eligible pay (plan year ended February 28, 2026).
When does the Rocky Mountain Chocolate Factory, Inc. 401(k) match vest?
Graded: 33% at 1 yr, 67% at 2 yr, 100% at 3 yr.
Does Rocky Mountain Chocolate Factory, Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; auto-escalation +1%/yr to 10%.
Who is the recordkeeper for Rocky Mountain Chocolate Factory, Inc.'s 401(k)?
Principal is named as the recordkeeper on the Form 5500 filed for Rocky Mountain Chocolate Factory, Inc. 401(k) Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that Rocky Mountain Chocolate Factory, Inc. filed with the US Securities and Exchange Commission for the plan year ended February 28, 2026. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | Rocky Mountain Chocolate Factory, Inc. |
| SEC CIK | 1616262 |
| Accession number | 0001193125-26-365393 |
| Plan | Rocky Mountain Chocolate Factory, Inc. 401(k) Plan |
| Period of report | February 28, 2026 |
| Filed | August 25, 2026 |
401(k) Monitor is not affiliated with Rocky Mountain Chocolate Factory, Inc., with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “Rocky Mountain Chocolate Factory, Inc. 401(k) plan facts”, from SEC Form 11-K accession 0001193125-26-365393, plan year ended February 28, 2026.
