Premium Guard 401(k) match, vesting and fees
What Premium Guard'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 Insurance Co of Ame | Schedule C ↗ |
| Independent auditor | Sikich Cpa LLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 3,569 defined-contribution plans in professional, scientific, and technical services with 100 to 499 participants.
| Premium Guard: employer contribution per participant | $2,905 | |
| Peer median | $2,719 |
| Premium Guard: average balance | $48,105 | |
| Peer median | $85,424 |
| Premium Guard: admin expenses ÷ assets | 0.95% | |
| Peer median | 0.27% |
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 $4.3M at the end of plan year 2023 to $7.5M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 380 | $7.5M | $453K | $2,905 | 0.95% | Not published | Form 5500 ↗ |
| 2024 | 342 | $5.7M | $360K | $2,811 | 0.97% | Not published | Form 5500 ↗ |
| 2023 | 257 | $4.3M | $290K | $2,813 | 1.80% | Not published | Form 5500 ↗ |
Common questions
Does Premium Guard match 401(k) contributions?
The match terms for the Premium Guard 401(k) Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $453K in employer contributions, about $2,905 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Premium Guard 401(k) match vested?
The vesting schedule for the Premium Guard 401(k) Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Premium Guard 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Co of Ame. The plan administrator is Premium Guard, Inc..
I left Premium Guard. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Premium Guard, Inc., (901) 730-8943) or the recordkeeper, Empower Annuity Insurance Co of Ame. The Premium Guard old 401(k) page lists the contacts from every plan filing. Find an old Premium Guard 401(k)
Data from the public Form 5500 annual reports Premium Guard filed with the U.S. Department of Labor (plan years 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 Premium Guard. Not financial advice. Report a correction · Methodology