St. Cloud Refrigeration 401(k) match, vesting and fees
What St. Cloud Refrigeration'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 | Empower Annuity Insurance Company O | Schedule C ↗ |
| Independent auditor | Miller Welle Heiser & Co., Ltd (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 3,874 defined-contribution plans in construction with 100 to 499 participants.
| St. Cloud Refrigeration: employer contribution per participant | $5,411 | |
| Peer median | $2,411 |
| St. Cloud Refrigeration: average balance | $164,539 | |
| Peer median | $61,921 |
| St. Cloud Refrigeration: admin expenses ÷ assets | 0.37% | |
| Peer median | 0.39% |
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 $45.6M at the end of plan year 2021 to $49.9M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 311 | $49.9M | $1.6M | $5,411 | 0.37% | Not published | Form 5500 ↗ |
| 2023 | 283 | $48.8M | $1.5M | $5,339 | 0.35% | Not published | Form 5500 ↗ |
| 2022 | 261 | $41M | $1.4M | $5,646 | 0.34% | Not published | Form 5500 ↗ |
| 2021 | 234 | $45.6M | $1.4M | $6,114 | 0.36% | Not published | Form 5500 ↗ |
Common questions
Does St. Cloud Refrigeration match 401(k) contributions?
The match terms for the St. Cloud Refrigeration Company Profit Sharing 401(k) Plan have not been published from its filing yet. The plan year 2024 filing reports $1.6M in employer contributions, about $5,411 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the St. Cloud Refrigeration 401(k) match vested?
The vesting schedule for the St. Cloud Refrigeration Company Profit Sharing 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the St. Cloud Refrigeration 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Empower Annuity Insurance Company O. The plan administrator is St. Cloud Refrigeration Company.
I left St. Cloud Refrigeration. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (St. Cloud Refrigeration Company, (320) 251-6861) or the recordkeeper, Empower Annuity Insurance Company O. The St. Cloud Refrigeration old 401(k) page lists the contacts from every plan filing. Find an old St. Cloud Refrigeration 401(k)
Data from the public Form 5500 annual reports St. Cloud Refrigeration filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) 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 St. Cloud Refrigeration. Not financial advice. Report a correction · Methodology