Plan Snapshot
- Plan Sponsor: M & D Mechanical Contractors, INC.
- Sponsor EIN: 630719141
- Sponsor Address: PO BOX 2629, DECATUR, AL, 35602
- Plan Type: 401(k)
- Total Participants: 108
- Total Assets: $8.6M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 108 | $8.6M | $161,527 | $558,718 |
| 2023 | 102 | $7.5M | $119,186 | $424,804 |
| 2022 | 101 | $6.7M | $123,164 | $412,491 |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| FISHER ASSET MANAGEMENT LLC | INVESTMENT ADVISOR | $50,556 | — | $50,556 |
| EMPOWER ANNUITY INSURANCE COMPANY | RECORDKEEPER | $13,341 | — | $13,341 |
| THE RETIREMENT ADVANTAGE INC | CONTRACT ADMIN | $9,781 | — | $9,781 |
| DENT MOSES, LLP | Auditor | — | — | $0 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- DENT MOSES, LLP — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $73,678
- Estimated Expense Ratio: 0.856% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $71,927 | — | $71,927 | — | — |
| 2023 | $62,483 | — | $62,483 | — | — |
| 2022 | $61,175 | — | — | — | $61,175 |