Retirement plan

SNFC MORTGAGE COMPANY 401(K) PLAN

Name: SECURTIY NATIONAL FINANCIAL CORPORATION - SNFC MORTGAGE COMPANY 401(K) PLAN (2024) Form 5500
Creator: SECURTIY NATIONAL FINANCIAL CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SNFC MORTGAGE COMPANY 401(K) PLAN, SECURTIY NATIONAL FINANCIAL CORPORATION

SECURTIY NATIONAL FINANCIAL CORPORATIONEIN 87-0345941Plan #004PY 2024

PO BOX 57250 - MURRAY, UT 84157801-264-1060securitynational.comLinkedIn501-1000 employeesfinancial services

Other plans on this EIN

2 filings

#002Retirement-$37.2M assets #003Retirement-$4.4M assets

Prospect flagsLow participationLow employer contributionLow participant contributionCorrective distributions

Top hat statement on fileNQDC

Filed August 28, 2025

Plan administrator

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433 Ascension Way, 6th Floor

Salt Lake City, UT 84123

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Plans declared (1)

Amended and Restated Security National Financial Corporation Non-Qualified Deferred Compensation Plan16 emp

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Total assets (EOY)

$33.4M

+5.3% from 2023

Total participants

679

-11.0% from 2023

Average account balance

$82,334

+28.9% from 2023

Annual return

24.06%

+5.88 pp from 2023

Benchmarks

See 1,550 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort1,550 peers

Snapshot2024

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$33.43M

Not enough data

1 years with asset history on file

Average account balance

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

$82K

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.

406

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.

51.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.20M

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

+24.06%

Not enough data

1 years with return on file

Admin fee / account holder

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

$266

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
CHARLES SCHWAB & CO., INC.1 year Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833	Recordkeeping	$41,482
SOLTIS INVESTMENT ADVISORS2 years Filed as: SOLTIS INVESTMENT ADVISORS LLC Service code 28 · EIN 27-3188744	Investment Management	$36,716
CHARLES SCHWAB & CO., INC.2 years Service code 33 · EIN 94-1737782	Securities brokerage; Shareholder ser...	$19,511
LARSON FINANCIAL GROUP LLC2 years Filed as: LARSON AND COMPANY Service code 10 · EIN 87-0516083	Accounting	$14,200
SOLTIS INVESTMENT ADVISORS10+ years Service code 28 · EIN 87-0506413	Investment Management	$11,877
CHARLES SCHWAB & CO., INC.1 year Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59	Shareholder Servicing	$0
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 25 · EIN 82-3967259	Directed Trustee	$0

Plan features & details

Pension benefit codes2A2E2F2G2J2K2T3D

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.
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.

Opportunity flags

4 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant 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

$108K

$194 / participant

Recordkeeping$42K38.5%
Investment mgmt$49K45.0%
Legal$4K3.4%
Other / not subdivided$14K13.1%

% of EOY assets

0.323%

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: LARSON & COMPANY PC
Auditor EIN: 870516083
Audit fees: $14,200
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$82,334

$129,095-36.2%

$184,200-55.3%

$77,671+6.0%

Participation rate

51.0%

87.3%-36.3pp

86.8%-35.8pp

70.6%-19.6pp

Annual return

24.06%

33.29%-9.2pp

28.80%-4.7pp

31.21%-7.2pp

Employer contribution / active EE

$412

$4,410-90.7%

$6,424-93.6%

$2,726-84.9%

Participant deferral / active EE

$3,543

$7,300-51.5%

$9,132-61.2%

$4,648-23.8%

Admin fee / account holder

$266

$256+4.0%

$13,907-98.1%

$430-38.2%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.1 year

Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC

Service code 15 · EIN 34-1479833

Recordkeeping

$41,482

SOLTIS INVESTMENT ADVISORS2 years

Filed as: SOLTIS INVESTMENT ADVISORS LLC

Service code 28 · EIN 27-3188744

Investment Management

$36,716

CHARLES SCHWAB & CO., INC.2 years

Service code 33 · EIN 94-1737782

Securities brokerage; Shareholder ser...

$19,511

LARSON FINANCIAL GROUP LLC2 years

Filed as: LARSON AND COMPANY

Service code 10 · EIN 87-0516083

Accounting

$14,200

SOLTIS INVESTMENT ADVISORS10+ years

Service code 28 · EIN 87-0506413

Investment Management

$11,877

CHARLES SCHWAB & CO., INC.1 year

Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL

Service code 59

Shareholder Servicing

CHARLES SCHWAB & CO., INC.2 years

Filed as: CHARLES SCHWAB TRUST BANK

Service code 25 · EIN 82-3967259

Directed Trustee

SNFC MORTGAGE COMPANY 401(K) 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

SNFC MORTGAGE COMPANY 401(K) 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