Waters Truck and Tractor 401(k) match, vesting and fees
What Waters Truck and Tractor'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 | The Vanguard Group, Inc. | Schedule C ↗ |
| Independent auditor | T.E. Lott & Company, P.A. (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.
| Waters Truck and Tractor: employer contribution per participant | $1,300 | |
| Peer median | $1,247 |
| Waters Truck and Tractor: average balance | $80,362 | |
| Peer median | $56,979 |
| Waters Truck and Tractor: admin expenses ÷ assets | 0.48% | |
| 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 $11.3M at the end of plan year 2021 to $16.3M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 289 | $16.3M | $264K | $1,300 | 0.48% | Not published | Form 5500 ↗ |
| 2024 | 282 | $15M | $270K | $1,415 | 0.48% | Not published | Form 5500 ↗ |
| 2023 | 302 | $13.8M | $262K | $1,429 | 0.48% | Not published | Form 5500 ↗ |
| 2022 | 269 | $11.7M | $231K | $1,329 | 0.49% | Not published | Form 5500 ↗ |
| 2021 | 239 | $11.3M | $177K | $1,060 | 0.49% | Not published | Form 5500 ↗ |
Common questions
Does Waters Truck and Tractor match 401(k) contributions?
The match terms for the Waters 401(k) Profit Sharing Plan have not been published from its filing yet. The plan year 2025 filing reports $264K in employer contributions, about $1,300 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Waters Truck and Tractor 401(k) match vested?
The vesting schedule for the Waters 401(k) Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Waters Truck and Tractor 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is The Vanguard Group, Inc.. The plan administrator is Waters Truck and Tractor Co. Inc..
I left Waters Truck and Tractor. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Waters Truck and Tractor Co. Inc., (662) 328-1575) or the recordkeeper, The Vanguard Group, Inc.. The Waters Truck and Tractor old 401(k) page lists the contacts from every plan filing. Find an old Waters Truck and Tractor 401(k)
Data from the public Form 5500 annual reports Waters Truck and Tractor 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 Waters Truck and Tractor. Not financial advice. Report a correction · Methodology