Clare Rose 401(k) match, vesting and fees
What Clare Rose'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 | Empower Life & Annuity Insurance Co | Schedule C ↗ |
| Independent auditor | Nawrocki Smith 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 1,052 defined-contribution plans in wholesale trade with 100 to 499 participants.
| Clare Rose: employer contribution per participant | $2,451 | |
| Peer median | $2,091 |
| Clare Rose: average balance | $129,812 | |
| Peer median | $87,400 |
| Clare Rose: admin expenses ÷ assets | 0.35% | |
| Peer median | 0.32% |
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 $26.9M at the end of plan year 2021 to $24.3M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 189 | $24.3M | $458K | $2,451 | 0.35% | Not published | Form 5500 ↗ |
| 2024 | 188 | $22.5M | $740K | $4,067 | 0.36% | Not published | Form 5500 ↗ |
| 2023 | 187 | $25.6M | $798K | $4,460 | 0.43% | Not published | Form 5500 ↗ |
| 2022 | 259 | $22.4M | $805K | $3,907 | 0.54% | Not published | Form 5500 ↗ |
| 2021 | 229 | $26.9M | $820K | $3,961 | 0.64% | Not published | Form 5500 ↗ |
Other Clare Rose plans (3)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Clare Rose, Inc. Local 812 Driver-Salesmen Target Benefit Plan
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.
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Clare Rose, Inc. Local 812 Driver-Salesmen Pension Plan
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.
| Plan type and status | Pension (defined benefit) · Frozen | Form 5500 ↗ |
Clare Rose, Inc. Union 401(k) Plan
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 | Empower Life & Annuity Insurance Co | Schedule C ↗ |
| Independent auditor | Nawrocki Smith LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Terminated (final filing) | Form 5500 ↗ |
Common questions
Does Clare Rose match 401(k) contributions?
The match terms for the Clare Rose, Inc. Profit Sharing and 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $458K in employer contributions, about $2,451 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Clare Rose 401(k) match vested?
The vesting schedule for the Clare Rose, Inc. Profit Sharing and 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Clare Rose 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Life & Annuity Insurance Co. The plan administrator is Clare Rose, Inc..
I left Clare Rose. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Clare Rose, Inc., (631) 775-3903) or the recordkeeper, Empower Life & Annuity Insurance Co. The Clare Rose old 401(k) page lists the contacts from every plan filing. Find an old Clare Rose 401(k)
Data from the public Form 5500 annual reports Clare Rose 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 Clare Rose. Not financial advice. Report a correction · Methodology