Filings through Oct 24, 2026.

M. Cohen and Sons, Inc. 401(k) Plan

Name: M. COHEN AND SONS, INC. - M. COHEN AND SONS, INC. 401(K) PLAN (2025) Form 5500
Creator: M. COHEN AND SONS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, M. COHEN AND SONS, INC. 401(K) PLAN, M. COHEN AND SONS, INC.

M. Cohen and Sons, Inc.EIN 23-1660294Plan #001PY 2025

400 REED ROAD - BROOMALL, PA 19008610-544-7100

How to read this page

Prospect flags

3 of 18 flags tripped on the 2025 filing.

How flags work

Opportunity
Low participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Lines 6a and 6g
Opportunity
High fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Schedule H, line 2i
Opportunity
Few collective trusts
0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.
Schedule H, line 4i

Total assets (EOY)

$5.4M

-0.7% from 2024

Total participants

176

+11.4% from 2024

Average account balance

$38,262

-9.8% from 2024

Annual return

14.23%

-2.29 pp from 2024

Benchmarks

This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.

Peer benchmarks

We rank each metric against plans of the same size, type and industry.

Schedule H, Parts I and II See about 18,924 peers

Industry: 23 - Construction
Plan type: Defined contribution
Participants: 25-99
Cohort: 18,924 peers
Snapshot: 2025

MetricThis planAmong peersPercentile

Annual return

Percentile

Average balance

Percentile

Participation rate

Percentile

Employer contribution per participant

Percentile

Employee contribution per participant

Percentile

Administrative expense per participant

Percentile

Middle 50% of peersPeer medianThis plan

Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.

Pro unlocks:

Percentile for each metric
Middle 50% of peers
Peer median
This plan's value next to its peers

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Plan history

Showing the 2025 filing, 1 of 10 years on record. Charts need 3 years.

2025 filing

Total assets (EOY): $5,394,904
Participants: 176
Contributions: $345,167
Annual return: 14.23%

2024 filing

Total assets (EOY): Dollar amount available on Pro
Participants: Count available on Pro
Contributions: Dollar amount available on Pro
Annual return: Percentage available on Pro

2023 filing

Total assets (EOY): Dollar amount available on Pro
Participants: Count available on Pro
Contributions: Dollar amount available on Pro
Annual return: Percentage available on Pro

Older filings: assets, participants, contributions and return for each year are on Pro.

9 more years of history are on Pro. Pro is free for 7 days and then costs $49 a month.

Pro unlocks:

Assets, participants and contributions by year
Annual return by year
Year-over-year charts

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Expense breakdown

$47K in admin expenses, $269 per participant (all participants, line 6f).

Schedule H, line 2i

Recordkeeping$47K (100%)

Admin expense ratio

0.879%

Admin expenses as % of EOY assets; fund fees not included

Categories reported

1 / 9

subdivided buckets used

Investments

This section lists the funds on the plan's investment schedule and what changed since the prior filing.

Fund lineup

6 funds of $250K or more; 25 lines in all, holding $5.3M of the plan's $5.4M. Recordkeeper: Lincoln Financial.

2025 filing, Schedule H, line 4i

In collective trusts0%median 0% for plans of $5M to $50M (40,449 plans)

In index funds99%median 22% for plans of $5M to $50M (40,449 plans)

In the main target-date series0%median 39% for plans of $5M to $50M (40,449 plans)

Employer stockNo

Fund	Manager	Vehicle	Dollars	% of funds%
Lincoln YourPath Passive 2025 Mod Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$1.1M	21.0%
Lincoln YourPath Passive 2045 Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$917K	17.2%
Lincoln YourPath Passive 2050 Mod Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$772K	14.5%
Lincoln YourPath Passive 2035 Mod Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$697K	13.1%
Lincoln YourPath Passive 2020 Mod Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$429K	8.1%
Lincoln YourPath Passive 2030 Mod Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$306K	5.7%
Lincoln YourPath Passive 2050 Agg Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$249K	4.7%
Lincoln YourPath Passive Rinc. Mod Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$222K	4.2%
Lincoln YourPath Passive 2055 Mod Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$219K	4.1%
Lincoln YourPath Passive 2040 Mod Lincoln Financial · Insurance contract IndexRecordkeeper's own fund	Lincoln Financial	Insurance contract	$136K	2.6%

Fund	Manager	Vehicle	Dollars	% of funds
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro
Name available on Pro	Name available on Pro	Available on Pro	Dollar amount available on Pro	Percentage available on Pro

15 more funds in this lineup: name, manager, vehicle, dollars and share are on Pro.

What changed since 2024

Dropped 6 funds.

Lineup changes
Change	Fund	Year-end value
Dropped	DroppedVanguard 500 Index Fund Admiral Shares	$941K
Dropped	DroppedAmerican Balanced Fund R6	$933K
Dropped	DroppedCsn Target Date (CIT)	$796K

Stable value and insurance contract lines, renames and class changes are not counted. Left out here: 1 stable value or insurance line.

Changes of at least $250K and 0.1% of the plan between the 2024 and 2025 filings. Values are year-end holdings. They do not show money moved.

15 more lines and 3 more changes in this lineup are on Pro. Pro is free for 7 days and then costs $49 a month.

Pro unlocks:

Every fund in the lineup
Manager, vehicle and dollars per fund
Share of plan assets
Every change since the prior filing

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Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.

Providers

This section shows who is paid to serve the plan, who audits it and who signs the filing.

Service providers

Top 1 by compensation.

Schedule C

Provider	Service type	Compensation
LINCOLN FINANCIAL ADVISORS CORP1 year Filed as: LINCOLN NATIONAL CORPORATION Service code 13 · EIN 35-1140070 1301 S HARRISON STREET · FORT WAYNE, IA 46801-2248 Contract Administrator	Contract Administrator	$20,053

Audit opinion

Schedule H, Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor: JOSEPH P MELVIN COMPANY LLC
Auditor EIN: 46-4338146
Audit fees: Not reported separately
Opinion code: Unqualified

Plan design

Plan features from the filing, actuarial disclosures and related pages.

Plan features

7 feature codes on the 2025 filing.

Line 8a

Plan feature codes2E2F2G2J2K2T3D

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

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Fund

Dollars

% of funds%

Lincoln YourPath Passive 2025 Mod