Silver Cloud 401(k) match, vesting and fees
What Silver Cloud'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 | Voya Retirement Ins. and Annuity Co | Schedule C ↗ |
| Independent auditor | Poulsen Vanleuven & Catmull (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 415 defined-contribution plans in accommodation and food services with 100 to 499 participants.
| Silver Cloud: employer contribution per participant | $1,193 | |
| Peer median | $702 |
| Silver Cloud: average balance | $75,410 | |
| Peer median | $15,751 |
| Silver Cloud: admin expenses ÷ assets | 0.81% | |
| Peer median | 0.67% |
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 $13.4M at the end of plan year 2021 to $14M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 640 | $14M | $222K | $1,193 | 0.81% | Not published | Form 5500 ↗ |
| 2024 | 626 | $12.9M | $222K | $1,167 | 0.81% | Not published | Form 5500 ↗ |
| 2023 | 591 | $11.9M | $160K | $812 | 0.54% | Not published | Form 5500 ↗ |
| 2022 | 558 | $10.1M | $229K | $978 | 0.73% | Not published | Form 5500 ↗ |
| 2021 | 520 | $13.4M | $89K | $309 | 0.78% | Not published | Form 5500 ↗ |
Common questions
Does Silver Cloud match 401(k) contributions?
The match terms for the Silver Cloud Inns Retirement Plan have not been published from its filing yet. The plan year 2025 filing reports $222K in employer contributions, about $1,193 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Silver Cloud 401(k) match vested?
The vesting schedule for the Silver Cloud Inns Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Silver Cloud 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Voya Retirement Ins. and Annuity Co. The plan administrator is Silver Cloud, Inc..
I left Silver Cloud. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Silver Cloud, Inc., (425) 637-9800) or the recordkeeper, Voya Retirement Ins. and Annuity Co. The Silver Cloud old 401(k) page lists the contacts from every plan filing. Find an old Silver Cloud 401(k)
Data from the public Form 5500 annual reports Silver Cloud 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 Silver Cloud. Not financial advice. Report a correction · Methodology