On Top of the World Communities 401(k) match, vesting and fees
What On Top of the World Communities' 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 Insurance | Schedule C ↗ |
| Independent auditor | Duggan, Joiner and Company, Cpas (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 523 defined-contribution plans in construction with 500 to 999 participants.
| On Top of the World Communities: employer contribution per participant | $502 | |
| Peer median | $2,361 |
| On Top of the World Communities: average balance | $24,601 | |
| Peer median | $60,193 |
| On Top of the World Communities: admin expenses ÷ assets | 0.82% | |
| Peer median | 0.31% |
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 $13M at the end of plan year 2021 to $16.6M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 789 | $16.6M | $339K | $502 | 0.82% | Not published | Form 5500 ↗ |
| 2023 | 698 | $14.1M | $350K | $611 | 0.86% | Not published | Form 5500 ↗ |
| 2022 | 658 | $11.5M | $329K | $628 | 0.80% | Not published | Form 5500 ↗ |
| 2021 | 632 | $13M | $261K | $508 | 0.64% | Not published | Form 5500 ↗ |
Common questions
Does On Top of the World Communities match 401(k) contributions?
The match terms for the On Top of the World Communities, LLC 401(k) Plan have not been published from its filing yet. The plan year 2024 filing reports $339K in employer contributions, about $502 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the On Top of the World Communities 401(k) match vested?
The vesting schedule for the On Top of the World Communities, LLC 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the On Top of the World Communities 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Empower Annuity Insurance. The plan administrator is On Top of the World Communities, LLC.
I left On Top of the World Communities. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (On Top of the World Communities, LLC, (352) 873-0848) or the recordkeeper, Empower Annuity Insurance. The On Top of the World Communities old 401(k) page lists the contacts from every plan filing. Find an old On Top of the World Communities 401(k)
Data from the public Form 5500 annual reports On Top of the World Communities 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 On Top of the World Communities. Not financial advice. Report a correction · Methodology