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Original filing (PDF)20251015123420NAL0009244434001
MCL, INC.
Form 5500
FILING_RECEIVED
MCL, INC. SALARY SAVINGS PLAN
401(k) retirement plan
Signals · 2
~124 bps in Sched C feesNo recordkeeper disclosed
Active participants
245
Accounts w/ balance
291
Plan assets (EOY)
$2.7M
Net assets (EOY)
$2.7M
How this plan invests
This plan
35 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 124 bps in Schedule C fees — 138% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MCL, INC..
Plan sponsor
Name
MCL, INC.
EIN
35-1079999
Address
2730 EAST 62ND STREET · INDIANAPOLIS, IN · 46220
Phone
(317) 259-5425
Industry
Accommodation & Food Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
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)
Auditor
KATZ, SAPPER & MILLER, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4156830 | — | CUSTODIAN | $14K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL LLC - RPCP | 95-2834236 | SAN DIEGO, CA | INVESTMENT ADVISOR | $13K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERICAN PENSION ADVISORS, LTD. | 35-2015845 | — | TPA | $7K | — |
Investments
35 direct securities· $2.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vngrd Trgt Rtrmt 2030 Inv Registered Investment Companies | — | — | — | $534K | 19.6% | |
| Vngrd Trgt Rtrmt 2025 Inv Registered Investment Companies | — | — | — | $476K | 17.5% | |
| Vngrd Trgt Rtrmt 2040 Inv Registered Investment Companies | — | — | — | $356K | 13.1% | |
| Vngrd Trgt Rtrmt Inc Registered Investment Companies | — | — | — | $311K | 11.4% | |
| Vngrd Trgt Rtrmt 2045 Inv Registered Investment Companies | — | — | — | $232K | 8.5% | |
| Vngrd Trgt Rtrmt 2020 Inv Registered Investment Companies | — | — | — | $200K | 7.3% | |
| Vngrd Trgt Rtrmt 2035 Inv Registered Investment Companies | — | — | — | $192K | 7.0% | |
| Vngrd Trgt Rtrmt 2050 Inv Registered Investment Companies | — | — | — | $74K | 2.7% | |
| Vngrd Gr Indx Adml + Registered Investment Companies | — | — | — | $69K | 2.5% | |
| Vngrd Trgt Rtrmt 2055 Inv Registered Investment Companies | — | — | — | $47K | 1.7% | |
| Vngrd 500 Index Fd As Registered Investment Companies | — | — | — | $45K | 1.7% | |
| Participant Loans Interest ranging from 4.25% to 9.5% | — | — | — | $40K | 1.5% | |
| Ab Lgcap Gr I Registered Investment Companiesvalue | — | — | — | $30K | 1.1% | |
| Pgim Hi Yld Z Registered Investment Companies | — | — | — | $22K | 0.8% | |
| Blkrk Mdcap Gr Eq Inst Registered Investment Companies | — | — | — | $14K | 0.5% | |
| Pimco Divrs Inc Inst Registered Investment Companies | — | — | — | $11K | 0.4% | |
| Hrdnglvner Emrg Mkts Adv + Registered Investment Companies $888 Jpm Cor Pls Bd R6 Registered Investment Companies | — | — | — | $10K | 0.4% | |
| Fed Hrms Gov Oblgtns Prmr Money Market Fund Shares | — | — | — | $9K | 0.3% | |
| Nuveen Real Estate Securities Fund - Class R6Registered Investment Companies | — | — | — | $8K | 0.3% | |
| Vngrd Trgt Rtrmt 2060 Inv Registered Investment Companies | — | — | — | $7K | 0.2% | |
| As Dscpld Us Cor Inst + Registered Investment Companies | — | — | — | $5K | 0.2% | |
| Virtus Mult Sctr St Bd I Registered Investment Companies | — | — | — | $4K | 0.2% | |
| Vngrd Mkt Nutrl Inv + Registered Investment Companies | — | — | — | $4K | 0.1% | |
| Columbia Contrarian Core Fund - Institutional 2 Class +Registered Investment Companies | — | — | — | $4K | 0.1% | |
| Trowepr Realest + Registered Investment Companies | — | — | — | $3K | 0.1% | |
| Vngrd Trgt Rtrmt 2065 Inv Registered Investment Companies | — | — | — | $2K | <0.1% | |
| Vngrd Mdcap Val Indx Adml Registered Investment Companies | — | — | — | $2K | <0.1% | |
| Vngrd Strat Eq Inv + Registered Investment Companies | — | — | — | $2K | <0.1% | |
| Emerald Gr Inst Registered Investment Companies | — | — | — | $2K | <0.1% | |
| Vngrd Smcap Val Indx Adml Registered Investment Companies | — | — | — | $2K | <0.1% | |
| American Beacon International Equity Fund - Class R5 +Registered Investment Companies | — | — | — | $2K | <0.1% | |
| Amfds Int Gr Inc R6 + Registered Investment Companies | — | — | — | $2K | <0.1% | |
| Vanguard Target Retirement 2070 Fund - Investor ClassRegistered Investment Companies $2 Drey Cash Mgt Inst Registered Investment Companies $0 Nuveen International Opportunities Fund - Class I +Registered Investment Companies | — | — | — | $2K | <0.1% | |
| Henesy Focs Inst + Registered Investment Companies | — | — | — | $2K | <0.1% | |
| Jpm Smcap Eq R5 Registered Investment Companies | — | — | — | $1K | <0.1% |
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