Kowalski Companies 401(k) match, vesting and fees
What Kowalski Companies' 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 | The Vanguard Group, Inc. | Schedule C ↗ |
| Independent auditor | Ds&B, Ltd (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 502 defined-contribution plans in retail trade with 500 to 999 participants.
| Kowalski Companies: employer contribution per participant | $1,833 | |
| Peer median | $928 |
| Kowalski Companies: average balance | $29,656 | |
| Peer median | $40,685 |
| Kowalski Companies: admin expenses ÷ assets | 0.01% | |
| Peer median | 0.37% |
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 $11.6M at the end of plan year 2021 to $15.8M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 827 | $15.8M | $977K | $1,833 | 0.01% | Not published | Form 5500 ↗ |
| 2023 | 757 | $13.3M | $789K | $1,798 | 0.02% | Not published | Form 5500 ↗ |
| 2022 | 709 | $10.8M | $803K | $1,974 | 0.08% | Not published | Form 5500 ↗ |
| 2021 | 664 | $11.6M | $806K | $2,171 | 0.03% | Not published | Form 5500 ↗ |
Other Kowalski Companies plans (2)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Kowalski Companies, Inc. Salary Reduction Profit Sharing Plan and Trust
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 | Ds&B, Ltd (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Kowalski Companies, Inc. 401(k) Plan for Central Services 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 ↗ |
| Late participant contributions | Reported on the filing | Form 5500-SF ↗ |
Common questions
Does Kowalski Companies match 401(k) contributions?
The match terms for the Kowalski Companies, Inc. 401(k) Plan for Union Employees have not been published from its filing yet. The plan year 2024 filing reports $977K in employer contributions, about $1,833 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Kowalski Companies 401(k) match vested?
The vesting schedule for the Kowalski Companies, Inc. 401(k) Plan for Union Employees is not in the data published so far. Your Summary Plan Description states it.
Who manages the Kowalski Companies 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is The Vanguard Group, Inc.. The plan administrator is Kowalski Companies, Inc..
I left Kowalski Companies. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Kowalski Companies, Inc., (651) 698-4752) or the recordkeeper, The Vanguard Group, Inc.. The Kowalski Companies old 401(k) page lists the contacts from every plan filing. Find an old Kowalski Companies 401(k)
Data from the public Form 5500 annual reports Kowalski Companies 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 Kowalski Companies. Not financial advice. Report a correction · Methodology