Key Lakes 401(k) match, vesting and fees
What Key Lakes' 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 | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Berkowitz Pollack Brant Advisors (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 2024 medians for 1,836 defined-contribution plans in transportation and warehousing with 100 to 499 participants.
| Key Lakes: employer contribution per participant | $540 | |
| Peer median | $1,076 |
| Key Lakes: average balance | $53,143 | |
| Peer median | $31,804 |
| Key Lakes: admin expenses ÷ assets | 0.14% | |
| Peer median | 0.46% |
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 $8.8M at the end of plan year 2021 to $9.2M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 205 | $9.2M | $93K | $540 | 0.14% | Not published | Form 5500 ↗ |
| 2023 | 196 | $7.9M | $75K | $462 | 0.10% | Not published | Form 5500 ↗ |
| 2022 | 94 | $6.5M | $42K | $517 | 0.08% | Not published | Form 5500 ↗ |
| 2021 | 92 | $8.8M | $33K | $419 | 0.05% | Not published | Form 5500 ↗ |
Other Key Lakes plans (2)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Key Lakes Savings Plan for Salaried Employees
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 | 401(k) · Active | Form 5500 ↗ |
Key Lakes Non-Contributory 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.
| Independent auditor | Berkowitz Pollack Brant Advisors (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Key Lakes match 401(k) contributions?
The match terms for the Key Lakes Savings Plan for Represented Employees have not been published from its filing yet. The plan year 2024 filing reports $93K in employer contributions, about $540 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Key Lakes 401(k) match vested?
The vesting schedule for the Key Lakes Savings Plan for Represented Employees is not in the data published so far. Your Summary Plan Description states it.
Who manages the Key Lakes 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Fidelity Investments Institutional. The plan administrator is Key Lakes, Inc..
I left Key Lakes. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Key Lakes, Inc., (610) 617-6886) or the recordkeeper, Fidelity Investments Institutional. The Key Lakes old 401(k) page lists the contacts from every plan filing. Find an old Key Lakes 401(k)
Data from the public Form 5500 annual reports Key Lakes filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) 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 Key Lakes. Not financial advice. Report a correction · Methodology