Cline Design Associates 401(k) match, vesting and fees
What Cline Design Associates' 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 | Melissa G. Critcher Cpa PC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 3,569 defined-contribution plans in professional, scientific, and technical services with 100 to 499 participants.
| Cline Design Associates: employer contribution per participant | $1,895 | |
| Peer median | $2,719 |
| Cline Design Associates: average balance | $80,686 | |
| Peer median | $85,424 |
| Cline Design Associates: admin expenses ÷ assets | 0.58% | |
| Peer median | 0.27% |
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 $8.1M at the end of plan year 2021 to $12.5M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 167 | $12.5M | $294K | $1,895 | 0.58% | Not published | Form 5500 ↗ |
| 2024 | 147 | $10.8M | $233K | $1,587 | 0.60% | Not published | Form 5500 ↗ |
| 2023 | 183 | $9M | $200K | $1,092 | 0.60% | Not published | Form 5500 ↗ |
| 2022 | 174 | $8M | $185K | $1,072 | 0.58% | Not published | Form 5500 ↗ |
| 2021 | 151 | $8.1M | $155K | $1,036 | 0.59% | Not published | Form 5500 ↗ |
Other Cline Design Associates plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Cline Design Employee Stock Ownership 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.
| Independent auditor | Melissa G. Critcher, Cpa, PC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Common questions
Does Cline Design Associates match 401(k) contributions?
The match terms for the Cline Design Associates PA 401k Profit Sharing Plan and Trust have not been published from its filing yet. The plan year 2025 filing reports $294K in employer contributions, about $1,895 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Cline Design Associates 401(k) match vested?
The vesting schedule for the Cline Design Associates PA 401k Profit Sharing Plan and Trust is not in the data published so far. Your Summary Plan Description states it.
Who manages the Cline Design Associates 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Morgan Stanley Smith Barney. The plan administrator is Pentegra Retirement Services, Inc.
I left Cline Design Associates. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Pentegra Retirement Services, Inc, (844) 367-2848) or the recordkeeper, Morgan Stanley Smith Barney. The Cline Design Associates old 401(k) page lists the contacts from every plan filing. Find an old Cline Design Associates 401(k)
Data from the public Form 5500 annual reports Cline Design Associates 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 Cline Design Associates. Not financial advice. Report a correction · Methodology