Gray & Son, Inc. 401(k) Plan: Login, Facts & Contact Information

Gray & Son, Inc. 401(k) Plan Facts

Plan name
GRAY & SON, INC. 401(K) PROFIT SHARING PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
GRAY & SON, INC.
Participants
518 (303 active employees)
Former employees with a balance
159
Plan assets
$62,999,010 at Dec 31, 2024
Average account balance
$135,191 across 466 accounts
Employer contributions
$531,646 in plan year 2024 (23% of all contributions)
Recordkeeper
Principal Life Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1988
✓ 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 1, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $2.32 million went into the plan in contributions, $531,646 of it from the employer (23%).
  • $6.46 million was paid out to participants.
  • Investment and other income added $7.40 million.
  • Administrative expenses were $190,440, about $409 per account.

How the Gray & Son, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019644$58.6 million$617,344$5.30 million
2020659$65.3 million$593,136$3.81 million
2021517$70.8 million$506,880$4.53 million
2022490$56.1 million$574,582$6.88 million
2023527$59.9 million$582,839$6.79 million
2024518$63.0 million$531,646$6.46 million

Gray & Son, Inc. 401(k) Contact Information

Phone
410-771-4311
Mailing address
430 WEST PADONIA RD, TIMONIUM MD 210932274
Plan sponsor
GRAY & SON, INC.
Employer identification number (EIN)
52-0332631
Plan number
002

Questions about the Gray & Son, Inc. 401(k)

Does Gray & Son, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $531,646, 23% of all contributions.

Does the Gray & Son, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Gray & Son, Inc 401(k) plan?

518 participants at the start of plan year 2024, 303 of them active employees, and 159 former employees who still had money in the plan.

What is the average 401(k) balance at Gray & Son, Inc?

About $135,191 per account: $63.0 million in plan assets across 466 accounts with a balance at the end of plan year 2024.

Who manages the Gray & Son, Inc 401(k) accounts?

Principal (listed on the filing as PRINCIPAL LIFE INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Gray & Son, Inc. How do I access my 401(k)?

Your account stays with Principal 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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