Ruby Wines 401(k) match, vesting and fees
What Ruby Wines' 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 | John Hancock | Schedule C ↗ |
| Independent auditor | Citrin Cooperman & Company 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 3,074 defined-contribution plans in wholesale trade with 100 to 499 participants.
| Ruby Wines: employer contribution per participant | $816 | |
| Peer median | $1,988 |
| Ruby Wines: average balance | $129,730 | |
| Peer median | $75,431 |
| Ruby Wines: admin expenses ÷ assets | 0.35% | |
| 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 $21.5M at the end of plan year 2021 to $19.1M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 190 | $19.1M | $120K | $816 | 0.35% | Not published | Form 5500 ↗ |
| 2023 | 186 | $19.1M | $150K | $1,049 | 0.37% | Not published | Form 5500 ↗ |
| 2022 | 173 | $17.3M | $150K | $1,056 | 0.35% | Not published | Form 5500 ↗ |
| 2021 | 177 | $21.5M | $150K | $1,027 | 0.36% | Not published | Form 5500 ↗ |
Common questions
Does Ruby Wines match 401(k) contributions?
The match terms for the Ruby Wines, Inc. 401k Profit Sharing Trust have not been published from its filing yet. The plan year 2024 filing reports $120K in employer contributions, about $816 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Ruby Wines 401(k) match vested?
The vesting schedule for the Ruby Wines, Inc. 401k Profit Sharing Trust is not in the data published so far. Your Summary Plan Description states it.
Who manages the Ruby Wines 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is John Hancock. The plan administrator is Ruby Wines, Inc..
I left Ruby Wines. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Ruby Wines, Inc., (508) 588-7007) or the recordkeeper, John Hancock. The Ruby Wines old 401(k) page lists the contacts from every plan filing. Find an old Ruby Wines 401(k)
Data from the public Form 5500 annual reports Ruby Wines 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 Ruby Wines. Not financial advice. Report a correction · Methodology