Mixture-of-experts variants of parameter-efficient fine-tuning enable per-token specialization, but they introduce additional trainable routers and expert parameters, increasing memory usage and training cost. This undermines the core goal of parameter-efficient fine-tuning. We propose Monkey Jump, a method that brings mixture-of-experts-style specialization to parameter-efficient fine-tuning without introducing extra trainable parameters for experts or routers. Instead of adding new adapters as experts, Monkey Jump treats the adapters already present in each Transformer block (such as query, key, value, up, and down projections) as implicit experts and routes tokens among them. Routing is performed using k-means clustering with exponentially moving averaged cluster centers, requiring no gradients and no learned parameters. We theoretically show that token-wise routing increases expressivity and can outperform shared adapters by avoiding cancellation effects. Across multi-task experiments covering 14 text, 14 image, and 19 video benchmarks, Monkey Jump achieves competitive performance with mixture-of-experts-based parameter-efficient fine-tuning methods while using 7 to 29 times fewer trainable parameters, up to 48 percent lower memory consumption, and 1.5 to 2 times faster training. Monkey Jump is architecture-agnostic and can be applied to any adapter-based parameter-efficient fine-tuning method.