Retirement plan

MCRAE'S U.S. MAIL SERVICE, INC. 401(K) PLAN

Name: MCRAE'S U.S. MAIL SERVICE, INC. - MCRAE'S U.S. MAIL SERVICE, INC. 401(K) PLAN (2025) Form 5500
Creator: MCRAE'S U.S. MAIL SERVICE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MCRAE'S U.S. MAIL SERVICE, INC. 401(K) PLAN, MCRAE'S U.S. MAIL SERVICE, INC.

MCRAE'S U.S. MAIL SERVICE, INC.EIN 39-1745087Plan #001PY 2025

PO BOX 275 - RICHFIELD, WI 53076414-316-9884

Prospect flagsLow assets / participantLow participant contributionLow fidelity bond

How to read this page

Total assets (EOY)

$5.1M

+21.5% from 2024

Total participants

385

+5.8% from 2024

Average account balance

$14,865

+20.8% from 2024

Annual return

14.30%

+3.31 pp from 2024

Benchmarks

See 212 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants250-999

Cohort212 peers

Snapshot2025

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Analytics

Total assets (EOY)

Plan-year ending balance

$5.13M

Not enough data

1 years with asset history on file

Average account balance

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

$15K

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.

345

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.

87.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.34M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+14.30%

Not enough data

1 years with return on file

Admin fee / account holder

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

$248

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 7 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$30,853
ASSUREDPARTNERS CAPITAL INC3 years Filed as: ASSUREDPARTNERS CAPITAL INC. Service code 27 200 COLONIAL CENTER PKWY STE 140 · LAKE MARY, FL 32746	Advisory (Plan)	$21,557
PREMIER RETIREMENT PARTNERS5 years Service code 13 8040 EXCELSIOR DR STE 401 · MADISON, WI 53717	Contract Administrator	$13,986
ALLIANCE BENEFIT GROUP5 years Filed as: ALLIANCE BENEFIT GROUP WISCONSIN LL Service code 13 8040 EXCELSIOR DR STE 401 · MADISON, WI 53717	Contract Administrator	$7,387
BAS PARTNERS3 years Service code 10 15800 PINES BLVD STE 300 · PEMBROKE PINES, FL 33027	Accounting	$6,900
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$2,346
LEAFHOUSE FINANCIAL ADVISORS, LLC5 years Service code 27 6504 BRIDGE POINT PKWY STE 450 · AUSTIN, TX 78730	Advisory (Plan)	$2,156

Plan features & details

Pension benefit codes2A2E2J2K2F2G3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
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.

Opportunity flags

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$85K

$268 / participant

Recordkeeping$31K36.4%
Investment mgmt$26K30.5%
Contract admin$21K25.0%
Other / not subdivided$7K8.1%

% of EOY assets

1.665%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

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

Auditor firm: BAS PARTNERS, LLC
Auditor EIN: 208779390
Audit fees: $6,900
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$14,865

$57,831-74.3%

$82,389-82.0%

$85,563-82.6%

Participation rate

87.5%

55.0%+32.5pp

69.5%+17.9pp

66.0%+21.5pp

Annual return

14.30%

17.86%-3.6pp

28.67%-14.4pp

31.51%-17.2pp

Employer contribution / active EE

$3,611

$1,643+119.8%

$2,517+43.5%

$2,654+36.1%

Participant deferral / active EE

$574

$3,118-81.6%

$4,155-86.2%

$4,375-86.9%

Admin fee / account holder

$248

$1,391-82.2%

$7,231-96.6%

$834-70.3%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$30,853

ASSUREDPARTNERS CAPITAL INC3 years

Filed as: ASSUREDPARTNERS CAPITAL INC.

Service code 27

200 COLONIAL CENTER PKWY STE 140 · LAKE MARY, FL 32746

Advisory (Plan)

$21,557

PREMIER RETIREMENT PARTNERS5 years

Service code 13

8040 EXCELSIOR DR STE 401 · MADISON, WI 53717

Contract Administrator

$13,986

ALLIANCE BENEFIT GROUP5 years

Filed as: ALLIANCE BENEFIT GROUP WISCONSIN LL

Service code 13

8040 EXCELSIOR DR STE 401 · MADISON, WI 53717

Contract Administrator

$7,387

BAS PARTNERS3 years

Service code 10

15800 PINES BLVD STE 300 · PEMBROKE PINES, FL 33027

Accounting

$6,900

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ADVISORY GROUP LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$2,346

LEAFHOUSE FINANCIAL ADVISORS, LLC5 years

Service code 27

6504 BRIDGE POINT PKWY STE 450 · AUSTIN, TX 78730

Advisory (Plan)

$2,156

MCRAE'S U.S. MAIL SERVICE, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

MCRAE'S U.S. MAIL SERVICE, INC. 401(K) PLAN

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