Retirement plan

P & M HOLDING GROUP, LLP & AFFILIATED ENTITIES TAX SAVINGS PLAN

Name: P & M HOLDING GROUP, LLP - P & M HOLDING GROUP, LLP & AFFILIATED ENTITIES TAX SAVINGS PLAN (2025) Form 5500
Creator: P & M HOLDING GROUP, LLP
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, P & M HOLDING GROUP, LLP & AFFILIATED ENTITIES TAX SAVINGS PLAN, P & M HOLDING GROUP, LLP

P & M HOLDING GROUP, LLPEIN 38-1357951Plan #003PY 2025

3000 TOWN CENTER, SUITE 100 - SOUTHFIELD, MI 48075248-352-2500LinkedIn1001-5000 employeesaccounting

Other plans on this EIN

2 filings

#004Retirement-$250.2M assets #006Retirement-$91.0M assets

Prospect flagsCorrective distributions

Top hat statement on fileNQDC

Filed April 29, 2026 (most recent of 3 filings on file)

Plan administrator

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5200 Woodward Ave

Detroit, MI 48202

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Plans declared (1)

Detroit Institute of Arts Executive Deferred Compensation Plan1 emp

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Total assets (EOY)

$747.5M

+14.0% from 2024

Total participants

5,207

-0.6% from 2024

Average account balance

$149,795

+13.8% from 2024

Annual return

12.73%

-2.49 pp from 2024

Benchmarks

See 73 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants1,000-4,999

Cohort73 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$747.48M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$150K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

4,990

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

94.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$57.04M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$15K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+12.73%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$70

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 4 by compensation

Provider	Service type	Compensation
CHARLES SCHWAB & CO., INC.10+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833	Recordkeeping	$249,605
FIDUCIENT ADVISORS LLC1 year Service code 28 · EIN 36-4001764	Investment Management	$58,779
WARNER NORCROSS & JUDD LLP4 years Filed as: WARNER NORCROSS JUDD LLP Service code 29 · EIN 38-1422647	Legal	$20,181
MOSS ADAMS LLP7 years Service code 10 · EIN 91-0189318	Accounting	$18,360

Plan features & details

Pension benefit codes2E2F2G2J2K2U3B3H

Plan features

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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$347K

$94 / participant

Recordkeeping$250K71.9%
Investment mgmt$59K16.9%
Legal$20K5.8%
Other / not subdivided$18K5.3%

% of EOY assets

0.046%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: BAKER TILLY US, LLP
Auditor EIN: 301413443
Audit fees: $18,360
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$149,795

$161,888-7.5%

$147,318+1.7%

$100,573+48.9%

Participation rate

94.1%

78.1%+16.0pp

82.1%+12.1pp

70.9%+23.2pp

Annual return

12.73%

22.84%-10.1pp

70.43%-57.7pp

18.89%-6.2pp

Employer contribution / active EE

$3,571

$5,949-40.0%

$4,593-22.3%

$3,763-5.1%

Participant deferral / active EE

$11,832

$9,384+26.1%

$7,906+49.7%

$4,921+140.5%

Admin fee / account holder

$70

$198-64.9%

$13,708-99.5%

$454-84.7%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.10+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC

Service code 15 · EIN 34-1479833

Recordkeeping

$249,605

FIDUCIENT ADVISORS LLC1 year

Service code 28 · EIN 36-4001764

Investment Management

$58,779

WARNER NORCROSS & JUDD LLP4 years

Filed as: WARNER NORCROSS JUDD LLP

Service code 29 · EIN 38-1422647

Legal

$20,181

MOSS ADAMS LLP7 years

Service code 10 · EIN 91-0189318

Accounting

$18,360

P & M HOLDING GROUP, LLP & AFFILIATED ENTITIES TAX SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

P & M HOLDING GROUP, LLP & AFFILIATED ENTITIES TAX SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion