Merrill Gardens 401(k) match, vesting and fees
What Merrill Gardens' 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 | John Hancock Retirement Plan Servic | Schedule C ↗ |
| Independent auditor | Clark Nuber Ps (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 235 defined-contribution plans in health care and social assistance with 1,000 to 4,999 participants.
| Merrill Gardens: employer contribution per participant | $2,033 | |
| Peer median | $1,537 |
| Merrill Gardens: average balance | $45,302 | |
| Peer median | $56,476 |
| Merrill Gardens: admin expenses ÷ assets | 0.33% | |
| Peer median | 0.19% |
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 $38.2M at the end of plan year 2021 to $61.4M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 3,477 | $61.4M | $2.8M | $2,033 | 0.33% | Not published | Form 5500 ↗ |
| 2024 | 3,223 | $50.4M | $2.6M | $2,072 | 0.58% | Not published | Form 5500 ↗ |
| 2023 | 3,254 | $43.1M | $2.4M | $1,905 | 0.62% | Not published | Form 5500 ↗ |
| 2022 | 3,021 | $34.9M | $2.2M | $1,887 | 0.51% | Not published | Form 5500 ↗ |
| 2021 | 3,203 | $38.2M | $2.1M | $1,786 | 0.39% | Not published | Form 5500 ↗ |
Common questions
Does Merrill Gardens match 401(k) contributions?
The match terms for the R.D. Merrill Companies 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $2.8M in employer contributions, about $2,033 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Merrill Gardens 401(k) match vested?
The vesting schedule for the R.D. Merrill Companies 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Merrill Gardens 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is John Hancock Retirement Plan Servic. The plan administrator is Merrill Gardens, LLC.
I left Merrill Gardens. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Merrill Gardens, LLC, (206) 676-5300) or the recordkeeper, John Hancock Retirement Plan Servic. The Merrill Gardens old 401(k) page lists the contacts from every plan filing. Find an old Merrill Gardens 401(k)
Data from the public Form 5500 annual reports Merrill Gardens 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 Merrill Gardens. Not financial advice. Report a correction · Methodology