Southern States Cooperative 401(k) match, vesting and fees
What Southern States Cooperative'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 | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Cliftonlarsonallen 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 79 defined-contribution plans in wholesale trade with 1,000 to 4,999 participants.
| Southern States Cooperative: employer contribution per participant | $1,406 | |
| Peer median | $2,178 |
| Southern States Cooperative: average balance | $102,873 | |
| Peer median | $89,313 |
| Southern States Cooperative: admin expenses ÷ assets | 0.18% | |
| Peer median | 0.14% |
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 $277M at the end of plan year 2021 to $231M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 2,394 | $231M | $3.2M | $1,406 | 0.18% | Not published | Form 5500 ↗ |
| 2024 | 2,590 | $227M | $3.4M | $1,386 | 0.21% | Not published | Form 5500 ↗ |
| 2023 | 2,673 | $222M | $3.4M | $1,306 | 0.12% | Not published | Form 5500 ↗ |
| 2022 | 2,832 | $212M | $2.8M | $989 | 0.05% | Not published | Form 5500 ↗ |
| 2021 | 3,853 | $277M | $3.1M | $909 | 0.04% | Not published | Form 5500 ↗ |
Other Southern States Cooperative plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Retirement Plan for Employees of Southern States
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.
| Independent auditor | Cliftonlarsonallen LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Frozen | Form 5500 ↗ |
Common questions
Does Southern States Cooperative match 401(k) contributions?
The match terms for the Southern States Retirement Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $3.2M in employer contributions, about $1,406 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Southern States Cooperative 401(k) match vested?
The vesting schedule for the Southern States Retirement Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Southern States Cooperative 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investments Institutional. The plan administrator is Employee Benefits Committee.
I left Southern States Cooperative. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Employee Benefits Committee, (804) 281-1381) or the recordkeeper, Fidelity Investments Institutional. The Southern States Cooperative old 401(k) page lists the contacts from every plan filing. Find an old Southern States Cooperative 401(k)
Data from the public Form 5500 annual reports Southern States Cooperative 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 Southern States Cooperative. Not financial advice. Report a correction · Methodology