Montachusett Regional Transit Authority 401(k) match, vesting and fees
What Montachusett Regional Transit Authority'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 | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Stowe & Degon LLC (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 713 defined-contribution plans in transportation and warehousing with 100 to 499 participants.
| Montachusett Regional Transit Authority: employer contribution per participant | $4,504 | |
| Peer median | $813 |
| Montachusett Regional Transit Authority: average balance | $34,309 | |
| Peer median | $22,335 |
| Montachusett Regional Transit Authority: admin expenses ÷ assets | 0.41% | |
| Peer median | 0.62% |
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 $3.2M 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 | 163 | $5.5M | $725K | $4,504 | 0.41% | Not published | Form 5500 ↗ |
| 2024 | 161 | $4.7M | $665K | $4,130 | 0.06% | Not published | Form 5500 ↗ |
| 2023 | 142 | $3.9M | $581K | $4,093 | 0.07% | Not published | Form 5500 ↗ |
| 2022 | 122 | $3.1M | $530K | $4,341 | 0.11% | Not published | Form 5500 ↗ |
| 2021 | 121 | $3.2M | $461K | $3,811 | 0.29% | Not published | 5500-SF ↗ |
Common questions
Does Montachusett Regional Transit Authority match 401(k) contributions?
The match terms for the Montachusett Regional Transit Authority 401k Plan have not been published from its filing yet. The plan year 2025 filing reports $725K in employer contributions, about $4,504 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Montachusett Regional Transit Authority 401(k) match vested?
The vesting schedule for the Montachusett Regional Transit Authority 401k Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Montachusett Regional Transit Authority 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investments Institutional. The plan administrator is Montachusett Regional Transit Authority.
I left Montachusett Regional Transit Authority. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Montachusett Regional Transit Authority, (978) 665-2220) or the recordkeeper, Fidelity Investments Institutional. The Montachusett Regional Transit Authority old 401(k) page lists the contacts from every plan filing. Find an old Montachusett Regional Transit Authority 401(k)
Data from the public Form 5500 annual reports Montachusett Regional Transit Authority 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 Montachusett Regional Transit Authority. Not financial advice. Report a correction · Methodology