Garber Management Group, Inc. 401(k) Plan: Login, Facts & Contact Information

Garber Management Group, Inc. 401(k) Plan Facts

Plan name
GMG EMPLOYEES SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
GARBER MANAGEMENT GROUP, INC.
Participants
2,687 (2,211 active employees)
Former employees with a balance
427
Plan assets
$126,451,270 at Dec 31, 2024
Average account balance
$48,375 across 2,614 accounts
Employer contributions
$3,790,615 in plan year 2024 (25% of all contributions)
Recordkeeper
American Trust Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Dec 1, 1985
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $15.0 million went into the plan in contributions, $3.79 million of it from the employer (25%).
  • $8.22 million was paid out to participants.
  • Investment and other income added $13.0 million.
  • Administrative expenses were $373,328, about $143 per account.

How the Garber Management Group, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20191,716$62.1 million$2.05 million$2.49 million
20201,956$72.5 million$2.26 million$5.81 million
20211,972$90.0 million$2.96 million$4.50 million
20222,288$87.6 million$3.58 million$5.44 million
20232,622$107.0 million$3.67 million$8.32 million
20242,687$126.5 million$3.79 million$8.22 million

Garber Management Group, Inc. 401(k) Contact Information

Phone
989-790-9090
Mailing address
999 SOUTH WASHINGTON AVENUE SUITE 1, SAGINAW MI 48601
Plan sponsor
GARBER MANAGEMENT GROUP, INC.
Employer identification number (EIN)
38-1280515
Plan number
003

Questions about the Garber Management Group, Inc. 401(k)

Does Garber Management Group, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $3.79 million, 25% of all contributions.

Does the Garber Management Group, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Garber Management Group, Inc 401(k) plan?

2,687 participants at the start of plan year 2024, 2,211 of them active employees, and 427 former employees who still had money in the plan.

What is the average 401(k) balance at Garber Management Group, Inc?

About $48,375 per account: $126.5 million in plan assets across 2,614 accounts with a balance at the end of plan year 2024.

Who manages the Garber Management Group, Inc 401(k) accounts?

AMERICAN TRUST COMPANY is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Garber Management Group, Inc. How do I access my 401(k)?

Your account stays with AMERICAN TRUST COMPANY after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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