Rose Companies Employer 401(k) Plan

Rose Companies Employer, LLC, Independence OH. Employer ID 813982831, plan number 002. Annual reports on file for 2017 to 2024.

Where the money went

Plans that moved money into this one:

2017: money from Forest City Employer, LLC 401(k) Employee Savings Plan & Trust moved in.

Filed 2017-2024Rose Companies Employer 401(k) Plan, Rose Companies Employer, LLC
TodayRose Companies Employer 401(k) Plan still files. T. Rowe Price Rps, Inc. keeps the records. That is where to ask.

Records are kept by T. Rowe Price Rps, Inc., per the 2024 filing.

In plan year 2023, 94 people (20% 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 401 to 97 (76%), and 50 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.

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.

No unusual events.

"Separated, still owed" counts people who left the employer but still have a benefit in the plan, as reported by the plan.

Plan year	Participants	Separated, still owed	Source
2017	317	33	Filing
2018	483	102	Filing
2019	490	104	Filing
2020	501	71	Filing
2021	547	119	Filing
2022	674	210	Filing
2023	599	195	Filing
2024	305	204	Filing

Source: U.S. Department of Labor Form 5500 filings. Plan-level facts only; no one's balance. Information only, not legal advice.