Marshall & Sterling Enterprises, Inc. 401(k) Plan: Login, Facts & Contact Information

Marshall & Sterling Enterprises, Inc. 401(k) Plan Facts

Plan name
MARSHALL & STERLING ENTERPRISES, INC. 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
MARSHALL & STERLING ENTERPRISES, INC.
Participants
674 (558 active employees)
Former employees with a balance
123
Plan assets
$68,641,148 at Dec 31, 2024
Average account balance
$102,756 across 668 accounts
Employer contributions
$2,073,786 in plan year 2024 (32% of all contributions)
Recordkeeper
Fidelity Investments Institutional
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Oct 1, 2002
✓ 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

  • $6.59 million went into the plan in contributions, $2.07 million of it from the employer (32%).
  • $5.40 million was paid out to participants.
  • Investment and other income added $7.15 million.
  • Administrative expenses were $50,947, about $76 per account.

How the Marshall & Sterling Enterprises, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019499$40.5 million$1.05 million$1.01 million
2020505$48.0 million$1.21 million$2.87 million
2021621$54.9 million$1.60 million$6.20 million
2022624$50.7 million$1.79 million$4.13 million
2023650$61.0 million$1.89 million$3.69 million
2024674$68.6 million$2.07 million$5.40 million

Marshall & Sterling Enterprises, Inc. 401(k) Contact Information

Phone
845-454-0800
Mailing address
110 MAIN STREET, POUGHKEEPSIE NY 126016707
Plan sponsor
MARSHALL & STERLING ENTERPRISES, INC.
Employer identification number (EIN)
14-1769290
Plan number
004

Questions about the Marshall & Sterling Enterprises, Inc. 401(k)

Does Marshall & Sterling Enterprises, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $2.07 million, 32% of all contributions.

Does the Marshall & Sterling Enterprises, Inc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Marshall & Sterling Enterprises, Inc 401(k) plan?

674 participants at the start of plan year 2024, 558 of them active employees, and 123 former employees who still had money in the plan.

What is the average 401(k) balance at Marshall & Sterling Enterprises, Inc?

About $102,756 per account: $68.6 million in plan assets across 668 accounts with a balance at the end of plan year 2024.

Who manages the Marshall & Sterling Enterprises, Inc 401(k) accounts?

Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INSTITUTIONAL) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Marshall & Sterling Enterprises, Inc. How do I access my 401(k)?

Your account stays with Fidelity NetBenefits 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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