Department of Labor filing
Spot something wrong?Gifford Lumber Company of Fredericktown, 401(k) plan
GIFFORD LUMBER 401(K) PLAN AND TRUST · For the plan year ended Dec 31, 2025
Legal plan sponsor: GIFFORD LUMBER COMPANY OF FREDERICKTOWN, INC.
Latest public filing 2025 · received May 21, 2026
Plan summary
Start with the match, vesting, and fees
Our read: The current match still needs a dated source. Vesting is not confirmed yet. The latest filing shows less employer money than most similar plans.
45Plan health
from public filings
from public filings
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0%
How this is calculated →See score distributions →Not in the public documents: vesting, employee fees, investment choices, eligibility, automatic enrollment, Roth availability
These details are often found in employee-only plan documents. We do not fill in an answer without a dated source.
Before you enroll: confirm the match, vesting schedule, waiting period, and fees in the current plan documents. The filing history shows how the plan itself has changed.
Keep in mind: public filings do not show your personal investment returns. Missing information does not count against the plan. Today’s benefit rules require a current plan document.
Compare Gifford Lumber Company of Fredericktown, with another employer →See verified benefit details ↓
Filing comparison · 202521out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions20th percentileTypical peer $2,235 · based on 14,690 comparable plans
Lower reported administrative expense22nd percentileTypical peer $139 · based on 13,539 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2025, GIFFORD LUMBER COMPANY OF FREDERICKTOWN, INC. reported $9,802 in employer contributions across this plan, or $817 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
What this public record cannot answer
For the current match, vesting rules, eligibility, employee fees, and investment choices, we need a recent plan document. We leave those details blank until we have one.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $9,802 $817 per active participant
- Participant contributions
- $11,003
- Other contributions
- Not reported Amounts not classified as employer or participant contributions
- Employer share of contributions
- 47.1%
- Active participants
- 12 Small plan
- Total participants
- 12 11 at the beginning of the year
- Ending assets
- $910,318 $75,860 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $793,788
- Ending net assets
- $910,318
- Beginning liabilities
- Not reported
- Ending liabilities
- Not reported
- Total income
- $123,452
- Total expenses
- $6,922
- Administrative expenses
- $6,922 $577 per active participant
- Participant loans
- Not reported Not reported of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2025
$817
2025
$577
2025
12
2025
$910,318
2025
Not reported
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $817 | 12 | 910.3K |
Changes in plan assets are not the same as investment performance.
Plan health
Loans, late deposits, and other filing disclosures
- Participant loans as a share of plan assets
- Not reported
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 431022166-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Feb 1, 1998
- Industry
- Wholesale trade
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
3D2E2F2G2J2K2T
Current plan terms
Help fill the gap the filing leaves.
If you have a current SPD, fee disclosure, or enrollment guide, you can share it with us. We check the source and date before adding anything to the profile.
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Filing ACK_ID20260521081113NAL0002384097001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗