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Original filing (PDF)20251015161636NAL0005096913001
MARCAL MANUFACTURING, LLC
Form 5500
FILING_RECEIVED
MARCAL PAPER NON-UNION 401(K) PLAN
401(k) retirement plan
Signals · 1
~83 bps in Sched C fees
Active participants
729
Accounts w/ balance
1,216
Plan assets (EOY)
$26.6M
Net assets (EOY)
$26.6M
How this plan invests
This plan
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 83 bps in Schedule C fees — 185% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MARCAL MANUFACTURING, LLC.
Plan sponsor
Name
MARCAL MANUFACTURING, LLC
EIN
26-2230708
Address
ONE MARKET STREET · ELMWOOD PARK, NJ · 074701451
Phone
(201) 703-6212
Industry
Manufacturingsee 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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BLACKBURN, CHILDERS & STEAGALL, PLL
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS. CO. OF AMERICA | 84-0467907 | GREENWOOD VILLAGE, CO | RECORDKEEPER | $83K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI ADVISORS INC | — | GLASTONBURY, CT | BROKER/ADVISOR | $13K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OAKWOOD CAPITAL SECURITIES, INC. | — | MINNEAPOLIS, MN | BROKER/ADVISER | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRUOG-RYDING COMPANY, INC. | — | WESTLAKE VILLAGE, CA | CONTRACT ADMINISTRATOR | $109K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | 84-0467907 | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $15K | — |
Investments
30 direct securities· $26.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Empower Annuity Insurance Company of America American Funds 2050 Target Date Retire R6 254,305.3407 units | — | — | $254K | $5.3M | 20.0% | |
| Empower Annuity Insurance Company of America American Funds 2040 Target Date Retire R6 108,813.9138 units | — | — | $109K | $2.2M | 8.4% | |
| Empower Annuity Insurance Company of America Fidelity 500 Index 10,768.1900 units | — | — | $11K | $2.2M | 8.3% | |
| Empower Annuity Insurance Company of America Key Guaranteed Portfolio Fund | — | — | — | $2.0M | 7.6% | |
| Empower Annuity Insurance Company of America Allspring Core Bond R6 170,763.9712 units | — | — | $171K | $1.9M | 7.0% | |
| Empower Annuity Insurance Company of America Vanguard Equity-Income Adm 17,768.9010 units | — | — | $18K | $1.6M | 5.9% | |
| Empower Annuity Insurance Company of America American Funds US Government Sec r6 128,866.9626 units | — | — | $129K | $1.5M | 5.7% | |
| Empower Annuity Insurance Company of America American Funds New Perspective R6 24,041.0869 units | — | — | $24K | $1.5M | 5.6% | |
| Empower Annuity Insurance Company of America JPMorgan Large-Cap Growth R6 17,071.1091 units | — | — | $17K | $1.4M | 5.4% | |
| Empower Annuity Insurance Company of America American Funds 2030 Target Date Retire R6 64,563.5166 units | — | — | $65K | $1.1M | 4.2% | |
| Empower Annuity Insurance Company of America Fidelity Mid-Cap Index 23,227.9007 units | — | — | $23K | $784K | 2.9% | |
| Empower Annuity Insurance Company of America MFS International Growth R6 16,337.6765 units | — | — | $16K | $676K | 2.5% | |
| Empower Annuity Insurance Company of America Fidelity Small-Cap Index 17,770.8637 units | — | — | $18K | $492K | 1.8% | |
| Empower Annuity Insurance Company of America Vanguard Information Technology Index Adm 1,534.8469 units | — | — | $2K | $488K | 1.8% | |
| Empower Annuity Insurance Company of America Vanguard Emerging Markets Stock Index Adm 13,163.6149 units | — | — | $13K | $484K | 1.8% | |
| Participant Loans Interest Rates Between 4.25% and 9.50%, with Maturity | — | — | — | $480K | 1.8% | |
| Empower Annuity Insurance Company of America T. Rowe Price U.S. Equity Research I 6,892.0065 units | — | — | $7K | $404K | 1.5% | |
| Empower Annuity Insurance Company of America Vanguard Explorer Adm 3,744.2480 units | — | — | $4K | $400K | 1.5% | |
| Empower Annuity Insurance Company of America Vanguard Real Estate Index Admiral 2,649.9313 units | — | — | $3K | $335K | 1.3% | |
| Empower Annuity Insurance Company of America Vanguard Lifestrategy Moderate Growth 6,335.4282 units | — | — | $6K | $198K | 0.7% | |
| Empower Annuity Insurance Company of America MFS Mid-Cap Value R6 5,687.2013 units | — | — | $6K | $181K | 0.7% | |
| Empower Annuity Insurance Company of America Nuveen Quant Small-Cap Equity Instl 8,736.9454 units | — | — | $9K | $160K | 0.6% | |
| Empower Annuity Insurance Company of America JPMorgan Mid-Cap Growth R6 3,013.3629 units | — | — | $3K | $156K | 0.6% | |
| Empower Annuity Insurance Company of America Blackrock Health Sciences Opps K 1,951.7944 units | — | — | $2K | $131K | 0.5% | |
| Empower Annuity Insurance Company of America American Funds 2020 Target Date Retire R6 9,753.2800 units | — | — | $10K | $131K | 0.5% | |
| Empower Annuity Insurance Company of America Vanguard Lifestrategy Growth Inv 2,956.5185 units | — | — | $3K | $131K | 0.5% | |
| Empower Annuity Insurance Company of America Vanguard Lifestrategy Income Inv 3,793.6885 units | — | — | $4K | $57K | 0.2% | |
| Empower Annuity Insurance Company of America American Funds 2010 Target Date Retire R6 4,474.8283 units | — | — | $4K | $52K | 0.2% | |
| Empower Annuity Insurance Company of America Franklin Small-Cap Value R6 832.0844 units | — | — | — | $50K | 0.2% | |
| Empower Annuity Insurance Company of America Vanguard Lifestrategy Cnsrv Growth Inv 917.5852 units | — | — | — | $19K | <0.1% |