Partners Peo 401(k) match, vesting and fees
What Partners Peo's 401(k) plan says about matching contributions
The Plan permits discretionary matching, safe harbor matching, and profit-sharing (non-elective) employer contributions. The specific contribution provisions for each Adopting Company are outlined in their respective adoption agreements.
Quoted directly from the filing. Plan terms may have changed; check your current Summary Plan Description.
Plan features
Indented passages are quoted word for word from the audit report; plan terms may have changed since, so check your current Summary Plan Description.
| Employer match | Quoted from the filing above | 2024 audit report, p. 42 ↗ |
| Automatic enrollment | The Plan includes an auto-enrollment feature, which is available to Adopting Companies and defined in their respective adoption agreements. | 2024 audit report, p. 41 ↗ |
| Roth contributions | Contributions – Each year, participants may contribute up to 100% of their annual compensation, as defined by the Plan, on either a pre-tax or post-tax (Roth) basis, within the limits prescribed by the Internal Revenue Code (IRC). | 2024 audit report, p. 41 ↗ |
| Loans | Notes Receivable from Participants – Participants may borrow from their account balance a minimum of $1,000 up to a maximum equal to the lesser of $50,000 or 50 percent of their vested account balance. The loans are secured by the balance in the participant’s account. The loan interest rate is set at 1% above the prime rate, as defined. Once a loan is granted, the interest rate on that loan will not change. Principal and interest are repaid through payroll deductions. Loans considered uncollectible are treated as deemed distributions; therefore, there is no allowance for uncollectible loans. | 2024 audit report, p. 42 ↗ |
| Recordkeeper | Transamerica Financial Life Insuran | 2025 Schedule C ↗ |
| Independent auditor | Royle Vazquez, LLP (unmodified opinion, limited scope) | 2025 Schedule H ↗ |
| Plan type and status | 401(k) · Active | 2025 Form 5500 ↗ |
Match, vesting and other plan features are from the plan year 2024 filing's audit report (the latest one extracted so far). Rows cited to the Form 5500 and its schedules are from the plan year 2025 filing.
How the plan compares
Plan year 2025 medians for 535 defined-contribution plans in administrative, support and waste management services with 100 to 499 participants.
| Partners Peo: employer contribution per participant | $1,314 | |
| Peer median | $1,445 |
| Partners Peo: average balance | $47,263 | |
| Peer median | $36,074 |
| Partners Peo: admin expenses ÷ assets | 1.12% | |
| Peer median | 0.52% |
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 $6.6M at the end of plan year 2021 to $16.9M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 1,253 | $16.9M | $469K | $1,314 | 1.12% | Not published | Form 5500 ↗ |
| 2024 | 1,378 | $14.5M | $344K | $1,192 | 1.03% | Quoted in the audit report, p. 42 ↗ | Form 5500 ↗ |
| 2023 | 1,090 | $10M | $398K | $1,401 | 1.19% | Not published | Form 5500 ↗ |
| 2022 | 791 | $7.1M | $266K | $1,219 | 1.18% | Not published | Form 5500 ↗ |
| 2021 | 470 | $6.6M | $174K | $1,269 | 1.29% | Not published | Form 5500 ↗ |
Common questions
Does Partners Peo match 401(k) contributions?
The audit report attached to the Partners Peo 401(k) Plan's plan year 2024 Form 5500, page 42 says: “The Plan permits discretionary matching, safe harbor matching, and profit-sharing (non-elective) employer contributions. The specific contribution provisions for each Adopting Company are outlined in their respective adoption agreements.” Plan terms may have changed; check your current Summary Plan Description.
When is the Partners Peo 401(k) match vested?
The vesting schedule for the Partners Peo 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Partners Peo 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Transamerica Financial Life Insuran. The plan administrator is Partners Peo, LLC.
I left Partners Peo. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Partners Peo, LLC, (720) 373-1765) or the recordkeeper, Transamerica Financial Life Insuran. The Partners Peo old 401(k) page lists the contacts from every plan filing. Find an old Partners Peo 401(k)
Data from the public Form 5500 annual reports Partners Peo 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 Partners Peo. Not financial advice. Report a correction · Methodology