# Midland Credit Management, INC. 401(k) Plan
Source: https://planprovider.pro/companies/midland-credit-management-inc-401k-plan

> Midland Credit Management, INC.'s 401(k) plan: 1,462 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Midland Credit Management, INC.

- **Sponsor EIN:** 480581733

- **Sponsor Address:** 350 CAMINO DE LA REINA, SAN DIEGO, CA, 92108

- **Plan Type:** 401(k)

- **Total Participants:** 1,462

- **Total Assets:** $167.4M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** Yes

- **Participant Loans:** Yes

- **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|1,462|$167.4M|$2.2M|$11.6M|

| 2023|1,292|$142.9M|$4.5M|$11.0M|

| 2022|1,175|$114.6M|$2.7M|$9.6M|

## 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|

| FIDELITY INVESTMENTS INSTITUTIONAL|RECORDKEEPER|$144,130|—|$144,130|

| ONEDIGITAL INVESTMENT ADVISORS LLC|ADVISOR|$54,764|—|$54,764|

| MOSS ADAMS LLP|ACCOUNTANT|AUDITOR|$19,000|—|$19,000|

| BAKER TILLY US, LLP|Auditor|$19,000|—|$19,000|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [FIDELITY INVESTMENTS INSTITUTIONAL](https://planprovider.pro/provider/fidelity-investments) — RECORDKEEPER

- [ONEDIGITAL INVESTMENT ADVISORS LLC](https://planprovider.pro/provider/epic-retirement-plan-services) — ADVISOR

- [MOSS ADAMS LLP](https://planprovider.pro/provider/milliman) — ACCOUNTANT|AUDITOR

- [BAKER TILLY US, LLP](https://planprovider.pro/provider/baker-tilly-us-llp) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $236,894

- **Estimated Expense Ratio:** 0.142% 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|$214,192|$54,764|$1,500|$19,000|—|

| 2023|$189,780|$47,731|$300|$17,325|—|

| 2022|$191,429|—|—|—|—|

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