American Trailer World Corp DBA Atw 401(k) match, vesting and fees
What American Trailer World Corp DBA Atw's 401(k) plan says about matching contributions
Contributions from Plan participants and the matching contributions from the employer are recorded in the year in which the employee contributions are withheld from compensation. For the year ended December 31, 2024, the Company made a safe-harbor matching contribution equal to a calculation based on the employee’s deferral percent up to 4% of eligible compensation, as defined in the Plan agreement.
Quoted directly from the filing. Plan terms may have changed; check your current Summary Plan Description.
Plan features
Indented passages are quoted word for word from the audit report; plan terms may have changed since, so check your current Summary Plan Description.
| Employer match | Quoted from the filing above | 2024 audit report, p. 34 ↗ |
| Match vesting | Vesting: Participants are immediately vested in their voluntary contributions plus actual earnings thereon. Participants are also immediately vested in the Company’s safe-harbor matching contributions. Vesting in any additional Company discretionary matching contributions is based on years of continuous service. A participant is 100% vested after six years of credited service. | 2024 audit report, p. 35 ↗ |
| Loans | Notes receivable from participants: Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest. Delinquent loans are treated as distributions based upon the terms of the plan document. Participants may borrow from their fund accounts a minimum of $1,000 up to a maximum amount equal to the lesser of $50,000 or 50% of the participant's vested account balance. | 2024 audit report, p. 34 ↗ |
| Recordkeeper | Fidelity Investments Institutional | 2025 Schedule C ↗ |
| Independent auditor | Rsm US LLP (unmodified opinion, limited scope) | 2025 Schedule H ↗ |
| Plan type and status | 401(k) · Active | 2025 Form 5500 ↗ |
Match, vesting and other plan features are from the plan year 2024 filing's audit report (the latest one extracted so far). Rows cited to the Form 5500 and its schedules are from the plan year 2025 filing.
How the plan compares
Plan year 2025 medians for 434 defined-contribution plans in manufacturing with 1,000 to 4,999 participants.
| American Trailer World Corp DBA Atw: employer contribution per participant | $1,684 | |
| Peer median | $2,591 |
| American Trailer World Corp DBA Atw: average balance | $43,161 | |
| Peer median | $102,504 |
| American Trailer World Corp DBA Atw: admin expenses ÷ assets | 0.36% | |
| Peer median | 0.11% |
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 $36.6M at the end of plan year 2021 to $52.5M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 4,327 | $52.5M | $2M | $1,684 | 0.36% | Not published | Form 5500 ↗ |
| 2024 | 3,805 | $48.5M | $2M | $1,696 | 0.36% | Quoted in the audit report, p. 34 ↗ | Form 5500 ↗ |
| 2023 | 3,628 | $43.4M | $2M | $1,679 | 0.37% | Not published | Form 5500 ↗ |
| 2022 | 4,185 | $32.5M | $2.2M | $2,094 | 0.58% | Not published | Form 5500 ↗ |
| 2021 | 4,513 | $36.6M | $1.7M | $1,777 | 0.55% | Not published | Form 5500 ↗ |
Common questions
Does American Trailer World Corp DBA Atw match 401(k) contributions?
The audit report attached to the Atw Retirement Savings Plan's plan year 2024 Form 5500, page 34 says: “Contributions from Plan participants and the matching contributions from the employer are recorded in the year in which the employee contributions are withheld from compensation. For the year ended December 31, 2024, the Company made a safe-harbor matching contribution equal to a calculation based on the employee’s deferral percent up to 4% of eligible compensation, as defined in the Plan agreement.” Plan terms may have changed; check your current Summary Plan Description.
When is the American Trailer World Corp DBA Atw 401(k) match vested?
The audit report attached to the plan year 2024 Form 5500, page 35 says: “Vesting: Participants are immediately vested in their voluntary contributions plus actual earnings thereon. Participants are also immediately vested in the Company’s safe-harbor matching contributions. Vesting in any additional Company discretionary matching contributions is based on years of continuous service. A participant is 100% vested after six years of credited service.”
Who manages the American Trailer World Corp DBA Atw 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investments Institutional. The plan administrator is American Trailer World Corp DBA Atw.
I left American Trailer World Corp DBA Atw. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (American Trailer World Corp DBA Atw, (903) 575-0300) or the recordkeeper, Fidelity Investments Institutional. The American Trailer World Corp DBA Atw old 401(k) page lists the contacts from every plan filing. Find an old American Trailer World Corp DBA Atw 401(k)
Data from the public Form 5500 annual reports American Trailer World Corp DBA Atw 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 Trailer World Corp DBA Atw. Not financial advice. Report a correction · Methodology