American Messaging Services 401(k) match, vesting and fees
What American Messaging Services' 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 | Voya Retirement Insurance & Annuity | Schedule C ↗ |
| Independent auditor | Bdo USA, P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 612 defined-contribution plans in information with 100 to 499 participants.
| American Messaging Services: employer contribution per participant | $3,359 | |
| Peer median | $2,211 |
| American Messaging Services: average balance | $274,803 | |
| Peer median | $71,359 |
| American Messaging Services: admin expenses ÷ assets | 0.21% | |
| Peer median | 0.25% |
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 $22.6M at the end of plan year 2021 to $28.3M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 104 | $28.3M | $346K | $3,359 | 0.21% | Not published | Form 5500 ↗ |
| 2024 | 110 | $26.5M | $322K | $2,954 | 0.25% | Not published | Form 5500 ↗ |
| 2023 | 114 | $22.5M | $335K | $2,993 | 0.25% | Not published | Form 5500 ↗ |
| 2022 | 124 | $19.3M | $351K | $3,024 | 0.24% | Not published | Form 5500 ↗ |
| 2021 | 129 | $22.6M | $302K | $2,538 | 0.25% | Not published | Form 5500 ↗ |
Common questions
Does American Messaging Services match 401(k) contributions?
The match terms for the American Messaging Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $346K in employer contributions, about $3,359 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the American Messaging Services 401(k) match vested?
The vesting schedule for the American Messaging Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the American Messaging Services 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Voya Retirement Insurance & Annuity. The plan administrator is American Messaging Services, LLC.
I left American Messaging Services. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (American Messaging Services, LLC, (972) 353-1875) or the recordkeeper, Voya Retirement Insurance & Annuity. The American Messaging Services old 401(k) page lists the contacts from every plan filing. Find an old American Messaging Services 401(k)
Data from the public Form 5500 annual reports American Messaging Services 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 American Messaging Services. Not financial advice. Report a correction · Methodology