Retirement plan

MM PACKAGING PRODUCT INC. 401(K) PROFIT SHARING PLAN

Name: MM PACKAGING PRODUCT, INC. - MM PACKAGING PRODUCT INC. 401(K) PROFIT SHARING PLAN (2025) Form 5500
Creator: MM PACKAGING PRODUCT, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MM PACKAGING PRODUCT INC. 401(K) PROFIT SHARING PLAN, MM PACKAGING PRODUCT, INC.

MM PACKAGING PRODUCT, INC.EIN 84-1354915Plan #001PY 2025

3915 N GARFIELD AVE - LOVELAND, CO 80538970-203-0393

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$7.4M

+26.4% from 2024

Total participants

137

+3.8% from 2024

Average account balance

$54,648

+22.7% from 2024

Annual return

17.87%

+5.18 pp from 2024

Benchmarks

See 653 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants100-249

Cohort653 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$7.38M

Not enough data

1 years with asset history on file

Average account balance

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

$55K

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.

135

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.

98.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$777K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+17.87%

Not enough data

1 years with return on file

Admin fee / account holder

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

$343

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

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

Service providers

Top 2 by compensation

Provider	Service type	Compensation
NEXPHASE FINANCIAL6 years Service code 26 1014 PRISM CACTUS CIRCLE · LOVELAND, CO 80537	Advisory (Participants)	$28,379
EPIC RETIREMENT PLAN SERVICES6 years Filed as: RETIREMENT PLAN CONSULTANTS Service code 14 125 S 4TH STREET · NORFOLK, NE 68701	Plan Administrator	$17,907

Plan features & details

Pension benefit codes2E2J2F2G3D3H2T

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.
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.
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$46K

$437 / participant

Investment mgmt$28K61.3%
Contract admin$18K38.7%

% of EOY assets

0.627%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: HAYNIE & COMPANY
Auditor EIN: 870325228
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$54,648

$80,705-32.3%

$115,768-52.8%

$67,986-19.6%

Participation rate

98.1%

63.0%+35.1pp

74.4%+23.7pp

57.2%+40.9pp

Annual return

17.87%

18.49%-0.6pp

100.46%-82.6pp

31.67%-13.8pp

Employer contribution / active EE

$2,505

$2,046+22.4%

$2,940-14.8%

$2,019+24.1%

Participant deferral / active EE

$4,826

$3,559+35.6%

$4,917-1.8%

$3,358+43.7%

Admin fee / account holder

$343

$4,135-91.7%

$12,439-97.2%

$3,203-89.3%

Provider

Service type

Compensation

NEXPHASE FINANCIAL6 years

Service code 26

1014 PRISM CACTUS CIRCLE · LOVELAND, CO 80537

Advisory (Participants)

$28,379

EPIC RETIREMENT PLAN SERVICES6 years

Filed as: RETIREMENT PLAN CONSULTANTS

Service code 14

125 S 4TH STREET · NORFOLK, NE 68701

Plan Administrator

$17,907

MM PACKAGING PRODUCT INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

MM PACKAGING PRODUCT INC. 401(K) PROFIT SHARING 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