PERSONNEL MANAGEMENT SERVICES INC. DBA EXPRESS MANAGED SERVICES
EXPRESS MANAGED SERVICES 401(K) PLAN · For the plan year ended Dec 31, 2025
Plan summary
What matters most
This plan has a documented employer contribution and vesting that still needs verification. Reported employer contributions are around the middle of comparable plans.
medium confidence
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.
that may be made during the plan year.
The official filing does not support a reliable dollar example.
me 1,993 Total investment income 1,452,284 Interest on notes receivable from participants 5,993 Total additions to net assets 2,159,835 Deductions: Withdrawal payments ( 749,319 ) Administrative expenses ( 14,383 ) Total deductions ( 763,702 ) Net increase in net assets available for benefits 1,396,133 Net assets available for benefits at beginning of year $ 8,958,491 Net assets available for benefits at end of year $ 10,354,624 See accompanying notes to the financial statements .
e Plan Document requires that the American Express Company Stock Fund be offered as an investment option, subject to compliance with ERISA.
Eligible employees can qualify to receive Company contributions, if any, upon completion of six months of service
lowing contributions: Elective Contributions Each pay period, participants may make contributions to the Plan through payroll deductions, including Before-Tax Contributions and/or Roth Contributions up to 80 % of their Total Pay, After-Tax Contributions up to 10 % of Total Pay or a combination of all three contribution types provided the aggregate does not exceed 80 % of their Total Pay or applicable limits under the Code. Roth Contributions are a special type of after-tax contribution and are subject to most of the same rules as Before-Tax Contributions. Participant contributions are subject to limitations imposed by the Code, including limitations on the amount of elective deferrals and catch-up contributions that may be made during the plan year. The Plan complied with non-discriminatio
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0%
How the score works →What still needs verification
vesting, automatic enrollment. These items stay out of the summary until a dated source confirms them.
What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Current match, vesting, eligibility, investments, and employee-paid fees still require a current plan document.
How this filing compares
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. Limitations: administrative_cost_measure_unavailable_or_zero
The short version
What employees should know
For the year ended Dec 31, 2025, PERSONNEL MANAGEMENT SERVICES INC. DBA EXPRESS MANAGED SERVICES reported $152,062 in employer contributions across this plan, or $1,257 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.
A fair peer score is not available yet.
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
- $152,062 $1,257 per active participant
- Participant contributions
- $183,813
- Other contributions
- Not reported Amounts not classified as employer or participant contributions
- Employer share of contributions
- 45.3%
- Active participants
- 121 Mid-size plan
- Total participants
- 148 123 at the beginning of the year
- Ending assets
- $3,023,440 $20,429 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $2,353,532
- Ending net assets
- $3,023,440
- Beginning liabilities
- $4,436
- Ending liabilities
- Not reported
- Total income
- $818,193
- Total expenses
- $148,285
- Administrative expenses
- Not reported Not reported 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.
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $1,257 | 121 | 3M |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- 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
- 475340441-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 2020
- Industry
- Industry group 32
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2J2K2T3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
What it says about employer contributions
that may be made during the plan year. The Plan complied with non-discrimination requirements under the Code during 2025 and 2024 through its safe harbor design for deferrals and matching contributions. Eligible employees hired for the first time on or after January 1, 2017 as well as eligible employees rehired on or after January 1, 2022 are automatically enrolled to make Before-Tax Contributions equal to 6 % of Total Pay, with a 1 % automatic increase each year until the rate reaches 10 %, unless the employee makes an alternative election to contribute at a different rate or opt out of automatic enrollment. 3 AMERICAN EXPRESS RETIREMENT SAVINGS PLAN Notes to Financial Statements Company Matching Contributions The Company matches 100 % of a participant’s Before-Tax Contributions and/or R
What it says about vesting
haring Contributions were made in 2025 or 2024. Qualified Non-Elective Contributions The Company may make Qualified Non-Elective Contributions (“QNEC”). A QNEC is a discretionary, fully vested contribution allocated in accordance with the Company’s direction at the time the QNEC is approved. Any QNECs are fully vested when made and distributable only under circumstances that permit distributions of Before-Tax Contributions or Roth Contributions. No QNECs were made in 2025 or 2024. Disability Contributions Certain qualifying participants who become disabled, as defined by the Plan Document, are eligible to receive contributions similar to Fixed Rate Contributions, Discretionary Profit Sharing Contributions (if applicable) and Matching Contributions. Allocation of Account Balances A particip
What it says about automatic enrollment
fter their date of hire, and eligible employees hired for the first time on or after January 1, 2017 as well as those rehired on or after January 1, 2022 are covered by the Plan’s automatic enrollment provisions. Eligible employees can qualify to receive Company contributions, if any, upon completion of six months of service. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). The following is not a comprehensive description of the Plan, and therefore does not include all situations and limitations covered by the Plan. The Plan Document (“Plan Document”) is the exclusive governing document and should be referred to for more complete information. Administration Principal Life Insurance Company is the recordkeeper and Delaware C
What it says about fees
me 1,993 Total investment income 1,452,284 Interest on notes receivable from participants 5,993 Total additions to net assets 2,159,835 Deductions: Withdrawal payments ( 749,319 ) Administrative expenses ( 14,383 ) Total deductions ( 763,702 ) Net increase in net assets available for benefits 1,396,133 Net assets available for benefits at beginning of year $ 8,958,491 Net assets available for benefits at end of year $ 10,354,624 See accompanying notes to the financial statements . 2 AMERICAN EXPRESS RETIREMENT SAVINGS PLAN Notes to Financial Statements 1. Description of the Plan General The American Express Retirement Savings Plan (the “Plan”), which became effective June 11, 1973, is a defined contribution plan. Under the terms of the Plan, regular full-time and certain part-time U.S.-pai
What it says about employer contributions
le U.S. employees who are not provided retirement benefits through a collective bargaining agreement may make contributions through payroll deductions and to which we make certain matching contributions. Ethics and Compliance All of our employees are subject to Quanta’s Code of Conduct, which addresses compliance with applicable laws and Quanta’s policies concerning, among other things, general business ethics, competition, anti-corruption and bribery, environmental protection, conflicts of interest, harassment and discrimination, data security and privacy, and insider trading. Quanta’s Code of Conduct also informs employees and third parties (such as suppliers, subcontractors and members of the public) about the resources and confidential reporting mechanisms available to detect, prevent
What it says about vesting
law. Quanta may also make discretionary employer contributions to such plan. Matching contributions vest immediately, and discretionary employer contributions may be subject to a vesting schedule determined at the time of the contribution, provided that vesting accelerates upon a change in control or the participant’s death or retirement. All matching and discretionary employer contributions, whether vested or not, are forfeited upon a participant’s termination of employment for cause or upon the participant engaging in competition with Quanta or any of its affiliates. As of December 31, 2025 and 2024, the liability related to deferred cash compensation under these plans, including amounts contributed by Quanta, was $ 126.1 million and $ 110.2 million, the majority of which was included i
What it says about fees
2 20.1 % Gross profit 4,275,081 15.0 3,510,761 14.8 764,320 21.8 % Equity in earnings of integral unconsolidated affiliates 55,635 0.2 50,484 0.2 5,151 10.2 % Selling, general and administrative expenses (2,189,209) (7.7) (1,824,754) (7.7) (364,455) 20.0 % Amortization of intangible assets (498,795) (1.7) (382,959) (1.6) (115,836) 30.2 % Increase in fair value of contingent consideration liabilities (31,203) (0.1) (7,064) — (24,139) 341.7 % Operating income 1,611,509 5.7 1,346,468 5.7 265,041 19.7 % Interest and other financing expenses (261,445) (1.0) (202,687) (0.9) (58,758) 29.0 % Interest income 15,702 0.1 32,404 0.1 (16,702) (51.5) % Other income, net 23,739 0.1 35,845 0.2 (12,106) (33.8) % Income before income taxes 1,389,505 4.9 1,212,030 5.1 177,475 14.6 % Provision for income taxe
Current plan terms
Help fill the gap the filing leaves.
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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.