Saturn of St. Paul 401(k) match, vesting and fees
What Saturn of St. Paul'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 | Alerus Financial, N.A. | Schedule C ↗ |
| Independent auditor | Brady Martz PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2025 medians for 1,080 defined-contribution plans in retail trade with 100 to 499 participants.
| Saturn of St. Paul: employer contribution per participant | $318 | |
| Peer median | $1,247 |
| Saturn of St. Paul: average balance | $22,073 | |
| Peer median | $56,979 |
| Saturn of St. Paul: admin expenses ÷ assets | 0.52% | |
| Peer median | 0.43% |
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 $8.1M at the end of plan year 2021 to $10.8M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 495 | $10.8M | $156K | $318 | 0.52% | Not published | Form 5500 ↗ |
| 2024 | 504 | $9.5M | $154K | $309 | 0.56% | Not published | Form 5500 ↗ |
| 2023 | 514 | $8.6M | $179K | $352 | 0.31% | Not published | Form 5500 ↗ |
| 2022 | 453 | $7M | $184K | $412 | 0.55% | Not published | Form 5500 ↗ |
| 2021 | 397 | $8.1M | $162K | $411 | 0.12% | Not published | Form 5500 ↗ |
Common questions
Does Saturn of St. Paul match 401(k) contributions?
The match terms for the Saturn of St. Paul Salary Deferral 401(k) Profit Sharing Plan have not been published from its filing yet. The plan year 2025 filing reports $156K in employer contributions, about $318 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Saturn of St. Paul 401(k) match vested?
The vesting schedule for the Saturn of St. Paul Salary Deferral 401(k) Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Saturn of St. Paul 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Alerus Financial, N.A.. The plan administrator is Saturn of St. Paul, Inc..
I left Saturn of St. Paul. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Saturn of St. Paul, Inc., (651) 204-4762) or the recordkeeper, Alerus Financial, N.A.. The Saturn of St. Paul old 401(k) page lists the contacts from every plan filing. Find an old Saturn of St. Paul 401(k)
Data from the public Form 5500 annual reports Saturn of St. Paul 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 Saturn of St. Paul. Not financial advice. Report a correction · Methodology