How big is Massachusetts Restaurant Association's plan?

Massachusetts Restaurant Association's plan reported $10.7M in assets and 2,461 participants for 2024.

Original filing (PDF)20251015165505NAL0005186097001

Massachusetts Restaurant Association

Name: Massachusetts Restaurant Association — MRA Member, Form 5500 (2024)
Creator: Massachusetts Restaurant Association
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

MRA Member 401(k) Plan

401(k) retirement plan · Massachusetts Restaurant Association's MRA Member 401(k) Plan held $10.7M in plan assets for 2,461 participants in 2024, with Equitable Life Insurance Company as recordkeeper.

Signals · 2

No ERISA fidelity bond~212 bps in Sched C fees

Active participants

2,461

Accounts w/ balance

303

Plan assets (EOY)

$10.7M

Net assets (EOY)

$10.7M

Plan identifiers

Massachusetts Restaurant Association's EIN is 04-1591041.

EIN 04-1591041

Plan number 001

Plan year 2024

ACK ID 20251015165505NAL0005186097001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Massachusetts Restaurant Association from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Massachusetts Restaurant Association's plan includes profit-sharing, ERISA 404(c) participant direction, a 401(k) feature, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for MASSACHUSETTS RESTAURANT ASSOCIATION.

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How this plan invests

This plan

1 pooled trust

Schedule D

47 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Below-average — multiple flags

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

No ERISA fidelity bond reported.
Total administrative cost in the bottom quartile of peers (2nd percentile).
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (1st percentile).
Bottom-decile employer contributions per participant (4th percentile).

Plan sponsor

Name

MASSACHUSETTS RESTAURANT ASSOCIATION

EIN

all filings

Address

160 E MAIN STREET, SUITE #2 · WESTHBOROUGH, MA · 015811758

Phone

(508) 573-4199

Industry

Admin Support & Waste Mgmt

Plan administrator

Name

NATIONAL BENEFIT SERVICES, LLC

EIN

20-3886993

City

WEST JORDAN, UT

Phone

(801) 532-4000

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-15

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Service providers (Schedule C)

1 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EQUITABLE LIFE INSURANCE COMPANY	13-5570651	—	RECORDKEEPR	$227K	—

Investments

47 direct securities · 1 pooled fund· $21.1M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.

Pooled Separate Account

$10.5M

1 holding

Mutual Funds

$7.6M

31 holdings

Other securities

$1.6M

8 holdings

Common Collective Trusts

$1.3M

2 holdings

Cash / Money Market

$149K

1 holding

Participant loans

$106K

5 holdings

					% of plan
POOLED SEPARATE ACCOUNT 65 EQUITABLE · EIN 13-5570651 / PN 065	Pooled Separate Account	—	—	$10.5M	98.4%
VANGUARD TARGET RETIREMENT 2040 INV	Mutual Funds	—	—	$1.6M	14.8%
VANGUARD 500 INDEX ADMIRAL	Common Collective Trusts	—	—	$1.2M	11.6%
VANGUARD TARGET RETIREMENT 2045 INV	Mutual Funds	—	—	$1.1M	10.2%
JPMORGAN CORE PLUS BOND R6	Other securities	—	—	$897K	8.4%
VANGUARD TARGET RETIREMENT 2050 INV	Mutual Funds	—	—	$800K	7.5%
VANGUARD TARGET RETIREMENT 2055 INV	Mutual Funds	—	—	$682K	6.4%
VANGUARD TARGET RETIREMENT 2030 INV	Mutual Funds	—	—	$611K	5.7%
VANGUARD TARGET RETIREMENT 2035 INV	Mutual Funds	—	—	$488K	4.6%
FIDELITY NASDAQ COMPOSITE INDEX	Mutual Funds	—	—	$337K	3.2%
COLUMBIA GLOBAL TECHNOLOGY GROWTH INST3	Other securities	—	—	$328K	3.1%
VANGUARD VALUE INDEX ADM	Mutual Funds	—	—	$283K	2.6%
VANGUARD TARGET RETIREMENT 2060 INV	Mutual Funds	—	—	$276K	2.6%
VANGUARD SMALL CAP INDEX ADM	Mutual Funds	—	—	$251K	2.3%
VANGUARD DEVELOPED MARKETS INDEX ADMIRAL	Mutual Funds	—	—	$226K	2.1%
VANGUARD MID CAP INDEX ADMIRAL	Mutual Funds	—	—	$219K	2.1%
PGIM HIGH YIELD R6	Other securities	—	—	$176K	1.6%
VANGUARD TARGET RETIREMENT 2025 INV	Mutual Funds	—	—	$150K	1.4%
AB GOVERNMENT MONEY MARKET I	Cash / Money Market	—	—	$149K	1.4%
VANGUARD TARGET RETIREMENT 2065 INV	Mutual Funds	—	—	$119K	1.1%
DFA INFLATION-PROTECTED SECURITIES I	Mutual Funds	—	—	$115K	1.1%
AMERICAN FUNDS NEW WORLD R6	Mutual Funds	—	—	$78K	0.7%
VANGUARD INTERNATIONAL GROWTH ADM	Mutual Funds	—	—	$56K	0.5%
JPMORGAN LARGE CAP GROWTH R6	Other securities	—	—	$42K	0.4%
AB SMALL CAP GROWTH Z	Other securities	—	—	$40K	0.4%
BLACKROCK MID-CAP GROWTH EQUITY K	Other securities	—	—	$40K	0.4%
EQUITABLE FIXED ACCOUNT	Other securities	—	—	$36K	0.3%
AMERICAN FUNDS SMALLCAP WORLD R6	Mutual Funds	—	—	$34K	0.3%
PARTICIPANT LOANS	Participant loans	—	—	$32K	0.3%
PARTICIPANT LOANS	Participant loans	—	—	$32K	0.3%
VANGUARD REAL ESTATE INDEX ADMIRAL	Mutual Funds	—	—	$31K	0.3%
VANGUARD SMALL CAP VALUE INDEX ADMIRAL	Mutual Funds	—	—	$28K	0.3%
PARTICIPANT LOANS	Participant loans	—	—	$24K	0.2%
VANGUARD HEALTH CARE INDEX ADMIRAL	Mutual Funds	—	—	$23K	0.2%
INVESCO GOLD & SPECIAL MINERALS R6	Mutual Funds	—	—	$20K	0.2%
VANGUARD TARGET RETIREMENT INCOME INV	Mutual Funds	—	—	$19K	0.2%
VANGUARD TARGET RETIREMENT 2070 INV	Mutual Funds	—	—	$17K	0.2%
PARTICIPANT LOANS	Participant loans	—	—	$16K	0.1%
VANGUARD INTMDT-TERM TRS IDX ADMIRAL	Common Collective Trusts	—	—	$13K	0.1%
AMERICAN FUNDS AMERICAN BALANCED R6	Mutual Funds	—	—	$11K	0.1%
T. ROWE PRICE BLUE CHIP GROWTH I	Other securities	—	—	$3K	<0.1%
VANGUARD MID-CAP VALUE INDEX ADMIRAL	Mutual Funds	—	—	$3K	<0.1%
VANGUARD MATERIALS INDEX ADMIRAL	Mutual Funds	—	—	$3K	<0.1%
VANGUARD FINANCIALS INDEX ADMIRAL	Mutual Funds	—	—	$2K	<0.1%
PARTICIPANT LOANS	Participant loans	—	—	$2K	<0.1%
FRANKLIN UTILITIES R6	Mutual Funds	—	—	$771	<0.1%
LORD ABBETT SHORT DURATION INCOME R6	Mutual Funds	—	—	$677	<0.1%
DFA INVESTMENT GRADE I	Mutual Funds	—	—	$650	<0.1%