Original filing (PDF)20251015120101NAL0004782689001

TOWER LOAN OF MISSISSIPPI, LLC

Name: TOWER LOAN OF MISSISSIPPI, LLC — TOWER LOAN OF MISSISSIPPI, LLC 401(K) AND PROFIT SHARING PLAN, Form 5500 (2024)
Creator: TOWER LOAN OF MISSISSIPPI, LLC

Form 5500

FILING_RECEIVED

TOWER LOAN OF MISSISSIPPI, LLC 401(K) AND PROFIT SHARING PLAN

401(k) retirement plan

Signals · 2

Late participant contributionsCorrective distributions issued

Active participants

513

Accounts w/ balance

544

Plan assets (EOY)

$59.8M

Net assets (EOY)

$59.8M

How this plan invests

This plan

67 securities

funds · stocks · CUSIPs

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

Plan health score

Above-average plan

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

Delinquent participant contributions reported (Schedule H 4a) — 72K (2% of contributions).
Corrective distributions issued (likely failed ADP/ACP testing).
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (22nd percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for TOWER LOAN OF MISSISSIPPI, LLC.

Plan sponsor

Name

TOWER LOAN OF MISSISSIPPI, LLC

EIN

45-5079659

Address

406 LIBERTY PARK CT · FLOWOOD, MS · 39232

Phone

(601) 992-0153

Industry

Finance & Insurancesee 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)

2H · Partial 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)

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
ONEAMERICA RETIREMENT SERVICES LLC	46-5378846	—	NONE	$40K	—

Investment manager

Name	EIN	Location	Relation	Direct comp	Indirect comp
WAVERLY ADVISORS LLC	—	RIDGELAND, MS	NONE	$6K	—

Other service providers

Investments

67 direct securities· $59.0M(99% of reported assets)

Other securities

$57.8M

64 holdings

Stable Value

$694K

1 holding

Cash / Money Market

$295K

1 holding

Common Stock

$237K

1 holding

					% of plan
Schwab Total Stock Market Index Mutual Fund	Other securities	—	$4.0M	$5.1M	8.6%
Schwab Short Term Bond Mutual Fund	Other securities	—	$4.1M	$4.2M	7.0%
Vanguard 500 Index Admiral Mutual Fund	Other securities	—	—	$4.1M	6.8%
Schwab US Aggregate Bond Mutual Fund	Other securities	—	$4.1M	$4.1M	6.8%
Vanguard Dividend Apprec ETF Exchange traded funds	Other securities	—	$2.5M	$3.1M	5.2%
Vanguard Target Retirement Income Inv Mutual Fund	Other securities	—	—	$3.0M	4.9%
Vanguard Target Retirement 2030 Inv Mutual Fund	Other securities	—	—	$2.6M	4.4%
Schwab International Index Mutual Fund	Other securities	—	$2.1M	$2.2M	3.7%
SPDR Portfolio S&P 400 MidCap ETF Exchange traded funds	Other securities	—	$1.8M	$2.1M	3.5%
Schwab Fundamental US Large Company Index Fund Mutual Fund	Other securities	—	$1.8M	$2.1M	3.5%
Vanguard Target Retirement 2040 Inv Mutual Fund	Other securities	—	—	$1.8M	3.0%
Dodge and Cox Stock I Mutual Fund	Other securities	—	$1.5M	$1.7M	2.8%
Fidelity Low Priced Stock K6 Mutual Fund	Other securities	—	—	$1.6M	2.7%
Vanguard Mid-Cap Growth Index Admiral Mutual Fund	Other securities	—	—	$1.5M	2.6%
Schwab Short Term Bond Mutual Fund	Other securities	—	$1.5M	$1.5M	2.5%
Schwab US Aggregate Bond Mutual Fund	Other securities	—	$1.5M	$1.5M	2.5%
Vanguard Target Retirement 2050 Inv Mutual Fund	Other securities	—	—	$1.5M	2.4%
Vanguard Growth Index Admiral Mutual Fund	Other securities	—	—	$1.4M	2.3%
Schwab International Dividend Equity Exchange traded funds	Other securities	—	$1.2M	$1.2M	2.0%
Vanguard Target Retirement 2060 Inv Mutual Fund	Other securities	—	—	$1.0M	1.7%
Dodge and Cox Income Fund Mutual Fund	Other securities	—	$860K	$902K	1.5%
SPDR Portfolio S&P 600 Small Cap ETF Exchange traded funds	Other securities	—	$725K	$874K	1.5%
Dodge and Cox International Mutual Fund	Other securities	—	$771K	$817K	1.4%
Schwab Fundamental Intl Mutual Fund	Other securities	—	$782K	$808K	1.3%
Vanguard Target Retirement 2055 Inv Mutual Fund	Other securities	—	—	$748K	1.3%
AUL GTD Benefit Unallocated Group Retirement Fixed Annuity CL H Guaranteed Investment Contracts	Stable Value	—	$664K	$694K	1.2%
Schwab Fundamental US Mutual Fund	Other securities	—	$521K	$589K	1.0%
Schwab Total Stock Market Index Mutual Fund	Other securities	—	$417K	$542K	0.9%
Jhancock International Growth R6 Mutual Fund	Other securities	—	—	$464K	0.8%
Non-participant directed mutual funds Dodge and Cox Income Fund Mutual Fund	Other securities	—	$346K	$362K	0.6%
Vanguard Dividend Apprec ETF Exchange traded funds	Other securities	—	$260K	$329K	0.5%
Vanguard High-Yield Corporate Adm Mutual Fund	Other securities	—	—	$301K	0.5%
Participant directed investments Cohen & Steers Real Estate- Z Mutual Fund	Other securities	—	—	$300K	0.5%
Cash and Cash Equivalents Cash equivalents	Cash / Money Market	—	$295K	$295K	0.5%
PIMCO Income Instl Mutual Fund	Other securities	—	—	$278K	0.5%
Vanguard Inflation- Protected Secs Adm Mutual Fund ** 31 Vanguard Interm-Term Bond Index Adm Mutual Fund	Other securities	—	—	$241K	0.4%
Vanguard Short-Term Corp Bd Idx Admiral Mutual Fund	Common Stock	—	—	$237K	0.4%
Schwab International Index Mutual Fund	Other securities	—	$222K	$233K	0.4%
Schwab Fundamental US Large Company Index Fund Mutual Fund	Other securities	—	$187K	$222K	0.4%
SPDR Portfolio S&P 400 MidCap ETF Exchange traded funds	Other securities	—	$182K	$221K	0.4%
Vanguard Developed Markets Index Admiral Mutual Fund	Other securities	—	—	$203K	0.3%
Dodge and Cox Stock I Mutual Fund	Other securities	—	$156K	$177K	0.3%
Schwab Total Stock Market Mutual Fund	Other securities	—	$130K	$168K	0.3%
Vanguard Target Retirement 2070 Inv Mutual Fund	Other securities	—	—	$140K	0.2%
Vanguard Small Cap Index Adm Mutual Fund	Other securities	—	—	$136K	0.2%
lessor or similar party of investments Cost** Current value Non-participant directed exchange traded funds Schwab International Dividend Equity Exchange traded funds	Other securities	—	$124K	$125K	0.2%
Vanguard Target Retirement 2065 Inv Mutual Fund	Other securities	—	—	$117K	0.2%
Vanguard Mid Cap Index Admn Mutual Fund	Other securities	—	—	$115K	0.2%
Thornburg Developing Wrld- R6 Mutual Fund	Other securities	—	—	$108K	0.2%
Vanguard Dividend Apprec ETF Exchange traded funds	Other securities	—	$84K	$105K	0.2%