Common Thread Collective 401(k) match, vesting and fees
What Common Thread Collective'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 | At Retirement Services, LLC | Schedule C ↗ |
| Independent auditor | Pension Assurance LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2025 medians for 146,150 defined-contribution plans in professional, scientific, and technical services with fewer than 100 participants.
| Common Thread Collective: employer contribution per participant | $2,581 | |
| Peer median | $2,267 |
| Common Thread Collective: average balance | $68,282 | |
| Peer median | $64,582 |
| Common Thread Collective: admin expenses ÷ assets | 0.69% | |
| Peer median | 0.39% |
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 $2M at the end of plan year 2021 to $6.4M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 95 | $6.4M | $243K | $2,581 | 0.69% | Not published | Form 5500 ↗ |
| 2024 | 109 | $3.2M | $189K | $1,801 | 0.70% | Not published | Form 5500 ↗ |
| 2023 | 106 | $2.5M | $168K | $1,635 | 1.53% | Not published | Form 5500 ↗ |
| 2022 | 203 | $2.3M | $302K | $1,526 | 0.58% | Not published | Form 5500 ↗ |
| 2021 | 173 | $2M | $235K | $1,413 | — | Not published | 5500-SF ↗ |
Other Common Thread Collective plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Common Thread Collective 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.
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Common questions
Does Common Thread Collective match 401(k) contributions?
The match terms for the Common Thread Collective 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $243K in employer contributions, about $2,581 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Common Thread Collective 401(k) match vested?
The vesting schedule for the Common Thread Collective 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Common Thread Collective 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is At Retirement Services, LLC. The plan administrator is Forusall, Inc..
I left Common Thread Collective. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Forusall, Inc., (844) 401-2253) or the recordkeeper, At Retirement Services, LLC. The Common Thread Collective old 401(k) page lists the contacts from every plan filing. Find an old Common Thread Collective 401(k)
Data from the public Form 5500 annual reports Common Thread Collective 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 Common Thread Collective. Not financial advice. Report a correction · Methodology