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Original filing (PDF)20251014085830NAL0005181698001
MORTGAGE CONTRACTING SERVICES LLC
Form 5500
FILING_RECEIVED
MCS 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
492
Accounts w/ balance
304
Plan assets (EOY)
$14.1M
Net assets (EOY)
$14.1M
How this plan invests
This plan
1 pooled trust
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
80
Knocking points off
- No recordkeeper disclosed on Schedule C.
- 62% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (10 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MORTGAGE CONTRACTING SERVICES LLC.
Plan sponsor
Name
MORTGAGE CONTRACTING SERVICES LLC
EIN
20-2942221
Address
350 HIGHLAND DR · SUITE 100 · LEWISVILLE, TX · 75067
Phone
(469) 771-5162
Industry
Real Estatesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
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)
Auditor
WEAVER AND TIDWELL LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERUS FINANCIAL, N.A. | 45-6062081 | — | NONE | $14K | — |
Investments
29 direct securities · 1 pooled fund· $14.0M(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.
Uncategorized
$13.1M
29 holdings
Common Collective Trust
$906K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund Mutual fund - | — | — | — | $2.6M | 18.8% | |
| Fidelity Advisor Equity Growth Z Mutual fund - | — | — | — | $2.3M | 16.2% | |
| Vanguard Target Retirement 2040 Mutual fund - | — | — | — | $1.2M | 8.2% | |
| Vanguard Small Cap Growth Index Admiral Mutual fund - | — | — | — | $1.0M | 7.2% | |
| Vanguard Index Trust Mid-Cap Index Fund Admiral SHS Mutual fund - | — | — | — | $975K | 6.9% | |
| VANGUARD RETIREMENT SAVINGS TRUST VANGUARD FIDUCIARY TRUST COMPANY · EIN 45-5436422 / PN 022 | Common Collective Trust | — | — | $906K | 6.4% | |
| Vanguard Total Intnlstock Index Admiral Mutual fund - | — | — | — | $873K | 6.2% | |
| Vanguard Equity Income - Admiral Mutual fund - | — | — | — | $766K | 5.4% | |
| Vanguard Total Bond Index Admiral Fund #584 Mutual fund - | — | — | — | $604K | 4.3% | |
| Vanguard Small Cap Value Index Admiral Mutual fund - | — | — | — | $585K | 4.2% | |
| Cohen & Steers Realty Shares Mutual fund - | — | — | — | $521K | 3.7% | |
| Vanguard Target Retirement 2045 Mutual fund - | — | — | — | $291K | 2.1% | |
| Vanguard Target Retirement 2035 Mutual fund - | — | — | — | $273K | 1.9% | |
| Vanguard Target Retirement 2055 Mutual fund - | — | — | — | $154K | 1.1% | |
| Vanguard Target Retirement 2025 Mutual fund - | — | — | — | $148K | 1.1% | |
| Vanguard Target Retirement 2050 Mutual fund - | — | — | — | $136K | 1.0% | |
| Vanguard Target Retirement 2030 Mutual fund - | — | — | — | $117K | 0.8% | |
| Dodge & Cox Income Fund Mutual fund - | — | — | — | $100K | 0.7% | |
| AFS Europacific Growth R6 Mutual fund - | — | — | — | $87K | 0.6% | |
| Vanguard Target Retirement 2070 Mutual fund - | — | — | — | $72K | 0.5% | |
| Vanguard Explorer Admiral Shares, Fund #5024 Mutual fund - | — | — | — | $55K | 0.4% | |
| MFS Mid Cap Value FD CL R6 Mutual fund - | — | — | — | $52K | 0.4% | |
| JP Morgan Mid Cap Growth R6 Mutual fund - | — | — | — | $47K | 0.3% | |
| Federated Instl High Yield Bond Mutual fund - | — | — | — | $37K | 0.3% | |
| Vanguard Target Retirement 2060 Mutual fund - | — | — | — | $36K | 0.3% | |
| Vanguard Target Retirement 2020 Mutual fund - | — | — | — | $33K | 0.2% | |
| Vanguard Small Cap Index Admiral Fund #548 Mutual fund - | — | — | — | $31K | 0.2% | |
| Vanguard Target Retirement Income Mutual fund - | — | — | — | $19K | 0.1% | |
| Vanguard Target Retirement 2065 Mutual fund - | — | — | — | $14K | <0.1% | |
| Varying maturity dates, * Notes receivable from participants interest rates at 9.5% - | — | — | — | $9K | <0.1% |