L.B. Foster Company 401(k): Fidelity, match 6% max
L.B. Foster Company 401(k) and Profit Sharing Plan · FSTR · CIK 352825
Fidelity Investments is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Maximum employer match, as a share of pay
6%
L.B. Foster Company matches 100% (dollar-for-dollar) of the first 6% of pay.
From the Form 11-K filed June 16, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What L.B. Foster puts in, and what the plan costs
What L.B. Foster put into the plan, per active participant
$3,462
L.B. Foster Company put $3,462 into this plan for each of its 869 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
L.B. Foster put in more per active participant than 75% of plans with 1,000–4,999 participants in wholesale trade. The middle plan in that group of 373 reported $1,990. Wholesale trade comes from business code 423990, which L.B. Foster entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much L.B. Foster pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 251324733, plan 201 · DOL EFAST2 ↗
The $3,462 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. L.B. Foster Company also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,970 a year at a $49,500 salary, and the same filing states employer contributions made outside the match. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What L.B. Foster puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“The Plan provides for Company matching contributions of 100% of employee contributions of the first 6% of the participant’s eligible compensation that is contributed to their account.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Plan participants are immediately fully vested in their elective and rollover contributions, plus actual earnings thereon. Effective January 1, 2020, participants are immediately vested in the Company’s matching contributions. Participants are fully vested in the Company’s discretionary profit sharing contributions, if any, after two years of eligible service.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
12th percentile
$22.16 per participant in plan-paid administrative cost, cheaper than 88% of plans with 1,000–4,999 participants.
What is L.B. Foster's 401(k) match formula?
L.B. Foster's 401(k) employer match tops out at 6% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| Conditions | To be eligible for the Company's matching contributions, participants must make pre-tax deferral contributions or Roth 401(k) after-tax deferral contributions |
| Other employer contribution | Discretionary profit-sharing contribution, amount determined by Board resolution; none approved for 2025 |
At a $60,000 salary, contributing 6% ($3,600) earns the full employer match of $3,600 for the year.
What the filing says, word for word
“The Plan provides for Company matching contributions of 100% of employee contributions of the first 6% of the participant’s eligible compensation that is contributed to their account.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is L.B. Foster's 401(k) vesting schedule?
L.B. Foster vests the employer match immediately: 100% is yours as soon as it is paid in. Nothing is forfeited when you leave, which is not true of the two schedules that vest over time.
| Employer match vesting | Immediate: employer match is 100% vested when contributed |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | Full vesting upon retirement, disability, or death |
| Other employer contributions | Fully vested in discretionary profit-sharing contributions after two years of eligible service |
Vesting, word for word
“Plan participants are immediately fully vested in their elective and rollover contributions, plus actual earnings thereon. Effective January 1, 2020, participants are immediately vested in the Company’s matching contributions. Participants are fully vested in the Company’s discretionary profit sharing contributions, if any, after two years of eligible service.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
Who can join L.B. Foster's 401(k), and is enrollment automatic?
L.B. Foster's filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | First payroll period of the month following date of hire |
|---|---|
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“All employees, except those barred by specific scenarios disclosed within the plan document, are eligible to participate in the Plan beginning in the first payroll period of the subsequent month following their date of hire.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Fidelity Investments, filed as “FIDELITY INVESTMENTS INSTITUTIONAL”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
10,593 plans on file name Fidelity Investments as their recordkeeper. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
Participants log in at Fidelity NetBenefits ↗. 401(k) Monitor is not affiliated with Fidelity Investments or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Fidelity Investments |
|---|---|
| Recordkeeper EIN | 042647786 |
What does the L.B. Foster plan report on Form 5500?
The L.B. Foster plan reported $92.3M in assets and 1,252 participants for plan year 2024.
| Total plan assets | $92,308,042 |
|---|---|
| Participants | 1,252 |
| Plan-paid admin cost per participant | $22.16 |
How that cost compares
This plan pays $22.16 per participant. The median across plans in wholesale trade is $149.72, from the 3,304 of 3,490 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of L.B. Foster Company 401(k) And Profit Sharing Plan, which has no page of its own here.
How does L.B. Foster's 401(k) match compare?
L.B. Foster Company's maximum 401(k) match of 6% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in wholesale trade, two report the same recordkeeper and one vests on the same schedule.
Maximum match 5% of pay. Also in wholesale trade.
Maximum match 6% of pay. Also in wholesale trade.
Maximum match 5% of pay. Also in wholesale trade.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 5% of pay. Vests immediately too, like L.B. Foster.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 16, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is L.B. Foster Company's 401(k) match?
L.B. Foster Company matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the L.B. Foster Company 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does L.B. Foster Company's 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Who is the recordkeeper for L.B. Foster Company's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for L.B. Foster Company 401(k) And Profit Sharing Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that L.B. Foster Company filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | L.B. Foster Company |
| SEC CIK | 352825 |
| Accession number | 0000352825-26-000040 |
| Plan | L.B. Foster Company 401(k) and Profit Sharing Plan |
| Period of report | December 31, 2025 |
| Filed | June 16, 2026 |
401(k) Monitor is not affiliated with L.B. Foster Company, with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “L.B. Foster Company 401(k) plan facts”, from SEC Form 11-K accession 0000352825-26-000040, plan year ended December 31, 2025.
