Flat River Group 401(k) match, vesting and fees
What Flat River Group'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 | Human Interest Advisor LLC | Schedule C ↗ |
| Independent auditor | Yeo & Yeo (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 1,052 defined-contribution plans in wholesale trade with 100 to 499 participants.
| Flat River Group: employer contribution per participant | $1,934 | |
| Peer median | $2,091 |
| Flat River Group: average balance | $35,815 | |
| Peer median | $87,400 |
| Flat River Group: admin expenses ÷ assets | 0.47% | |
| 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 $824K at the end of plan year 2021 to $5.5M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 171 | $5.5M | $298K | $1,934 | 0.47% | Not published | Form 5500 ↗ |
| 2024 | 203 | $5.1M | $382K | $2,101 | 0.48% | Not published | Form 5500 ↗ |
| 2023 | 254 | $3.3M | $363K | $1,592 | 0.45% | Not published | Form 5500 ↗ |
| 2022 | 228 | $2M | $352K | $1,662 | 0.51% | Not published | Form 5500 ↗ |
| 2021 | 179 | $824K | $239K | $1,337 | 0.21% | Not published | Form 5500 ↗ |
Common questions
Does Flat River Group match 401(k) contributions?
The match terms for the Flat River Group 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $298K in employer contributions, about $1,934 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Flat River Group 401(k) match vested?
The vesting schedule for the Flat River Group 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Flat River Group 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Human Interest Advisor LLC. The plan administrator is Flat River Group.
I left Flat River Group. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Flat River Group, (616) 794-5496) or the recordkeeper, Human Interest Advisor LLC. The Flat River Group old 401(k) page lists the contacts from every plan filing. Find an old Flat River Group 401(k)
Data from the public Form 5500 annual reports Flat River Group 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 Flat River Group. Not financial advice. Report a correction · Methodology