Mud Bay 401(k) match, vesting and fees
What Mud Bay'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 Ins. Co. of America | Schedule C ↗ |
| Independent auditor | Baker Tilly US, LLP (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.
| Mud Bay: employer contribution per participant | $1,102 | |
| Peer median | $928 |
| Mud Bay: average balance | $12,175 | |
| Peer median | $40,685 |
| Mud Bay: admin expenses ÷ assets | 0.82% | |
| 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 $2.5M at the end of plan year 2021 to $6.2M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 535 | $6.2M | $563K | $1,102 | 0.82% | Not published | Form 5500 ↗ |
| 2023 | 585 | $4.3M | $594K | $1,145 | 0.44% | Not published | Form 5500 ↗ |
| 2022 | 602 | $2.3M | — | — | 0.15% | Not published | Form 5500 ↗ |
| 2021 | 506 | $2.5M | — | — | 0.13% | Not published | Form 5500 ↗ |
Other Mud Bay plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Mud Bay, Inc. Employee Stock Ownership 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 | Baker Tilly US, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Common questions
Does Mud Bay match 401(k) contributions?
The match terms for the Mud Bay Retirement Plan have not been published from its filing yet. The plan year 2024 filing reports $563K in employer contributions, about $1,102 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Mud Bay 401(k) match vested?
The vesting schedule for the Mud Bay Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Mud Bay 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Empower Annuity Ins. Co. of America. The plan administrator is Mud Bay, Inc..
I left Mud Bay. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Mud Bay, Inc., (360) 709-0074) or the recordkeeper, Empower Annuity Ins. Co. of America. The Mud Bay old 401(k) page lists the contacts from every plan filing. Find an old Mud Bay 401(k)
Data from the public Form 5500 annual reports Mud Bay 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 Mud Bay. Not financial advice. Report a correction · Methodology