Special Tree 401(k) match, vesting and fees
What Special Tree'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 | Plante & Moran, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 294 defined-contribution plans in health care and social assistance with 500 to 999 participants.
| Special Tree: employer contribution per participant | $1,020 | |
| Peer median | $1,438 |
| Special Tree: average balance | $33,386 | |
| Peer median | $41,205 |
| Special Tree: admin expenses ÷ assets | 0.72% | |
| 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 $20.9M at the end of plan year 2021 to $20.6M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 835 | $20.6M | $630K | $1,020 | 0.72% | Not published | Form 5500 ↗ |
| 2024 | 906 | $20.3M | $587K | $963 | 0.64% | Not published | Form 5500 ↗ |
| 2023 | 663 | $17M | $516K | $888 | 0.46% | Not published | Form 5500 ↗ |
| 2022 | 644 | $15.5M | $510K | $885 | 0.55% | Not published | Form 5500 ↗ |
| 2021 | 837 | $20.9M | $515K | $761 | 0.47% | Not published | Form 5500 ↗ |
Common questions
Does Special Tree match 401(k) contributions?
The match terms for the Special Tree, Ltd. Employees' Salary Savings & Retirement Plan have not been published from its filing yet. The plan year 2025 filing reports $630K in employer contributions, about $1,020 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Special Tree 401(k) match vested?
The vesting schedule for the Special Tree, Ltd. Employees' Salary Savings & Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Special Tree 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investments Institutional. The plan administrator is Special Tree, Ltd..
I left Special Tree. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Special Tree, Ltd., (734) 893-1162) or the recordkeeper, Fidelity Investments Institutional. The Special Tree old 401(k) page lists the contacts from every plan filing. Find an old Special Tree 401(k)
Data from the public Form 5500 annual reports Special Tree 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 Special Tree. Not financial advice. Report a correction · Methodology