Agency Holding 401(k) match, vesting and fees
What Agency Holding's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Morgan Stanley Smith Barney | Schedule C ↗ |
| Independent auditor | Johnson Lambert LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,478 defined-contribution plans in finance and insurance with 100 to 499 participants.
| Agency Holding: employer contribution per participant | $2,606 | |
| Peer median | $3,122 |
| Agency Holding: average balance | $126,583 | |
| Peer median | $111,687 |
| Agency Holding: admin expenses ÷ assets | 0.18% | |
| Peer median | 0.20% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $20.8M at the end of plan year 2021 to $31.1M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 288 | $31.1M | $641K | $2,606 | 0.18% | Not published | Form 5500 ↗ |
| 2024 | 234 | $26.5M | $476K | $2,440 | 0.37% | Not published | Form 5500 ↗ |
| 2023 | 204 | $22.2M | $396K | $2,478 | <0.01% | Not published | Form 5500 ↗ |
| 2022 | 172 | $18.2M | $360K | $2,586 | 0.19% | Not published | Form 5500 ↗ |
| 2021 | 154 | $20.8M | $364K | $2,736 | 0.15% | Not published | Form 5500 ↗ |
Common questions
Does Agency Holding match 401(k) contributions?
The match terms for the Agency Services, Inc. 401(k) Profit Sharing Plan have not been published from its filing yet. The plan year 2025 filing reports $641K in employer contributions, about $2,606 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Agency Holding 401(k) match vested?
The vesting schedule for the Agency Services, Inc. 401(k) Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Agency Holding 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Morgan Stanley Smith Barney. The plan administrator is Agency Holding Company.
I left Agency Holding. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Agency Holding Company, (410) 691-9100) or the recordkeeper, Morgan Stanley Smith Barney. The Agency Holding old 401(k) page lists the contacts from every plan filing. Find an old Agency Holding 401(k)
Data from the public Form 5500 annual reports Agency Holding filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Agency Holding. Not financial advice. Report a correction · Methodology