Grammer 401(k) Plan
Grammer Inc., Plymouth MI. Employer ID 411280872, plan number 001. Annual reports on file for 2022 to 2024.
Where the money went
Plans that moved money into this one:
- 2021: money from Toledo Molding & Die, LLC Retirement Plan moved in.
- 2021: money from Toledo Molding & Die, LLC Toledo Plant Retirement moved in.
- 2022: money from Grammer 401(k) Plan moved in.
- 2024: money from Grammer Collective Bargained Retirement Plan moved in.
- Filed 2022-2024Grammer 401(k) Plan, Grammer Inc.
- TodayGrammer 401(k) Plan still files. Empower Annuity Insurance Company keeps the records. That is where to ask.
Records are kept by Empower Annuity Insurance Company, per the 2024 filing.
Left in 2023, 2024? Worth asking about employer money
- In plan year 2023, 377 people (39% of active participants) left before they were fully vested. Turnover that high can count as a partial plan termination (Revenue Ruling 2007-43), which requires full vesting of employer money for those who left. The plan may argue it was routine turnover. Filing
- In plan year 2024, active participants fell from 814 to 248 (70%), and 493 people left before they were fully vested. When a plan loses about 20% or more of its participants in a year, the IRS presumes a partial plan termination (Revenue Ruling 2007-43). Everyone who left in that period must then be fully vested in the employer's contributions. Filing
This is a reason to ask the plan, not a finding. The plan decides, and it may show the drop was routine.
Worked here?
Check your years. We show whether the plan merged or moved money while you were there, and draft the letter to the plan that holds it now.
Events in the filings
No unusual events.
People in the plan
"Left, still in the plan" counts people who left the employer but still have a benefit in the plan, as reported by the plan.
| Plan year | Participants | Left, still in the plan | Source |
|---|---|---|---|
| 2022 | 1,144 | 162 | Filing |
| 2023 | 1,132 | 185 | Filing |
| 2024 | 520 | 244 | Filing |
Source: U.S. Department of Labor Form 5500 filings. Plan-level facts only; no one's balance. Information only, not legal advice.