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 (2023) 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 2023

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

Other plans on this EIN

2 filings

#004Retirement-$210.1M assets #006Retirement-$55.9M assets

Prospect flagsLow returnsCorrective 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)

$565M

-13.5% from 2017

Total participants

5,019

+0.5% from 2017

Average account balance

$119,048

-11.5% from 2017

Annual return

13.47%

-12.52 pp from 2017

Benchmarks

See 928 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants1,000-4,999

Cohort928 peers

Snapshot2023

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 3 by compensation

Provider	Service type	Compensation
CHARLES SCHWAB & CO., INC.8+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833	Recordkeeping	$268,683
MOSS ADAMS LLP5 years Service code 10 · EIN 91-0189318	Accounting	$17,034
WARNER NORCROSS & JUDD LLP2 years Filed as: WARNER NORCROSS JUDD LLP Service code 29 · EIN 38-1422647	Legal	$16,350

Plan features & details

Pension benefit codes2E2F2G2J2K3B3H

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

2 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$302K

$89 / participant

Other / not subdivided$302K100.0%

% of EOY assets

0.053%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: MOSS ADAMS, LLP
Auditor EIN: 910189318
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$119,048

$107,415+10.8%

$135,998-12.5%

$80,187+48.5%

Participation rate

92.0%

78.0%+14.0pp

81.9%+10.1pp

72.9%+19.0pp

Annual return

13.47%

91.99%-78.5pp

68.37%-54.9pp

40.40%-26.9pp

Employer contribution / active EE

$3,242

$3,878-16.4%

$4,860-33.3%

$2,980+8.8%

Participant deferral / active EE

$10,891

$8,189+33.0%

$7,761+40.3%

$5,016+117.1%

Admin fee / account holder

$64

$127-49.9%

$10,769-99.4%

$145-56.1%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.8+ years

Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC

Service code 15 · EIN 34-1479833

Recordkeeping

$268,683

MOSS ADAMS LLP5 years

Service code 10 · EIN 91-0189318

Accounting

$17,034

WARNER NORCROSS & JUDD LLP2 years

Filed as: WARNER NORCROSS JUDD LLP

Service code 29 · EIN 38-1422647

Legal

$16,350

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