Sapp Bros 401(k) match, vesting and fees
What Sapp Bros' 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 | Capital Group Retirement Plan Svcs. | Schedule C ↗ |
| Independent auditor | Forvis Mazars LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 118 defined-contribution plans in retail trade with 500 to 999 participants.
| Sapp Bros: employer contribution per participant | $1,107 | |
| Peer median | $1,025 |
| Sapp Bros: average balance | $45,042 | |
| Peer median | $54,370 |
| Sapp Bros: admin expenses ÷ assets | 0.47% | |
| Peer median | 0.33% |
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 $23.5M at the end of plan year 2021 to $34.8M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 961 | $34.8M | $854K | $1,107 | 0.47% | Not published | Form 5500 ↗ |
| 2024 | 1,013 | $30.5M | $937K | $1,186 | 0.47% | Not published | Form 5500 ↗ |
| 2023 | 1,012 | $25.7M | $868K | $1,169 | 0.49% | Not published | Form 5500 ↗ |
| 2022 | 990 | $20.2M | $766K | $1,189 | 0.46% | Not published | Form 5500 ↗ |
| 2021 | 928 | $23.5M | $285K | $591 | 0.43% | Not published | Form 5500 ↗ |
Common questions
Does Sapp Bros match 401(k) contributions?
The match terms for the Sapp Bros., Inc. Retirement Plan have not been published from its filing yet. The plan year 2025 filing reports $854K in employer contributions, about $1,107 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Sapp Bros 401(k) match vested?
The vesting schedule for the Sapp Bros., Inc. Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Sapp Bros 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Capital Group Retirement Plan Svcs.. The plan administrator is Sapp Bros., Inc..
I left Sapp Bros. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Sapp Bros., Inc., (402) 895-2202) or the recordkeeper, Capital Group Retirement Plan Svcs.. The Sapp Bros old 401(k) page lists the contacts from every plan filing. Find an old Sapp Bros 401(k)
Data from the public Form 5500 annual reports Sapp Bros 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 Sapp Bros. Not financial advice. Report a correction · Methodology