Gem Group 401(k) match, vesting and fees
What Gem 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 | Empower Annuity Insurance Company | Schedule C ↗ |
| Independent auditor | Cbiz Cpas P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Plan history
Plan assets went from $28.1M at the end of plan year 2021 to $31.1M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 416 | $31.1M | $384K | $1,614 | 0.31% | Not published | Form 5500 ↗ |
| 2024 | 398 | $28.2M | $381K | $1,531 | 0.44% | Not published | Form 5500 ↗ |
| 2023 | 394 | $26.9M | $364K | $1,390 | 0.37% | Not published | Form 5500 ↗ |
| 2022 | 393 | $23.7M | $336K | $1,322 | 0.44% | Not published | Form 5500 ↗ |
| 2021 | 349 | $28.1M | $292K | $1,237 | 0.45% | Not published | Form 5500 ↗ |
Common questions
Does Gem Group match 401(k) contributions?
The match terms for the The Gem Group, Inc. Retirement Plan have not been published from its filing yet. The plan year 2025 filing reports $384K in employer contributions, about $1,614 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Gem Group 401(k) match vested?
The vesting schedule for the The Gem Group, Inc. Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Gem Group 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Company. The plan administrator is The Gem Group, Inc..
I left Gem Group. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (The Gem Group, Inc., (978) 691-2098) or the recordkeeper, Empower Annuity Insurance Company. The Gem Group old 401(k) page lists the contacts from every plan filing. Find an old Gem Group 401(k)
Data from the public Form 5500 annual reports Gem 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 Gem Group. Not financial advice. Report a correction · Methodology