I don't have my fruit knife book handy but I suspect the 041 stamp may be a pattern number. A lot of USA made fruit knives were usually .900 fine (coin)silver but many were not stamped as such. It could also be silver plated as Gorham made a lot of silver plate. Without doing any invasive testing it is hard to determine what it is made of. Some of them had steel blades and could be tested with a magnet but most were made of a non-ferrous metal. Others liked to do a bend test(NOT recommended)by deflecting the blade sideways and see if if pops back into position. A silver or nickel silver plated blade will stay bent while a steel blade will not. It looks like a nice old fruit knife and I don't believe the difference in value between a silver plated and solid silver is very much;unless you're looking to melt it down for the silver content.