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Original filing (PDF)20251014151650NAL0001569939017
MBC COMPANIES
Form 5500
FILING_RECEIVED
MBC COMPANIES 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
413
Accounts w/ balance
276
Plan assets (EOY)
$19.2M
Net assets (EOY)
$19.2M
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)
88
/ 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
80
Knocking points off
- 45 bps in Schedule C fees — 55% above peer band of 29 bps.
- 67% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MBC COMPANIES.
Plan sponsor
Name
MBC COMPANIES
EIN
54-0698135
Address
1501 WILLOW STREET · LEBANON, PA · 17046
Phone
(717) 273-9361
Industry
Wholesale Tradesee 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
2025-10-14
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
KREISCHER MILLER
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $59K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING | 84-4519624 | — | ADVISORY | $27K | — |
Broker
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
| MID ATLANTIC CAPITAL CORPORATION | 25-1409618 | — | SECURITIES BROKER | $0 | — |
Investments
30 direct securities· $19.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MFS Gr R3 | — | — | — | $4.0M | 20.6% | |
| Prudential Guaranteed Income | — | — | — | $3.3M | 17.0% | |
| Columbia Dividend Income A | — | — | — | $2.2M | 11.3% | |
| Transamerica Capital, Inc. Transamerica Stock Index R | — | — | — | $2.0M | 10.6% | |
| Loomis Sayles Loomis Sayles Core Plus Bond A | — | — | — | $1.5M | 8.0% | |
| T. Rowe Price T. Rowe Price Retirement 2025 Adv | — | — | — | $706K | 3.7% | |
| Fidelity US Bond Index | — | — | — | $650K | 3.4% | |
| American Funds American Funds EuroPacific Growth R4 | — | — | — | $623K | 3.2% | |
| American Funds American Funds Small Cap World R4 | — | — | — | $431K | 2.2% | |
| Fidelity Intl Index | — | — | — | $396K | 2.1% | |
| T. Rowe Price T. Rowe Price Retirement 2035 Adv | — | — | — | $391K | 2.0% | |
| T. Rowe Price T. Rowe Price Retirement 2040 Adv | — | — | — | $382K | 2.0% | |
| T. Rowe Price T. Rowe Price Retirement 2055 Adv | — | — | — | $371K | 1.9% | |
| T. Rowe Price T. Rowe Price Retirement 2030 Adv | — | — | — | $352K | 1.8% | |
| T. Rowe Price T. Rowe Price Retirement 2050 Adv | — | — | — | $258K | 1.3% | |
| Vanguard Small Cap Index Adm | — | — | — | $237K | 1.2% | |
| American Funds American Funds New World R4 | — | — | — | $222K | 1.2% | |
| Fidelity Advisor Small Cap Value A | — | — | — | $202K | 1.0% | |
| Vanguard Mid Cap Index Adm | — | — | — | $173K | 0.9% | |
| Voya Fixed Account | — | — | — | $165K | 0.9% | |
| T. Rowe Price T. Rowe Price Retirement 2045 Adv | — | — | — | $165K | 0.9% | |
| Participant loans Interest rates at 4.25% to 9.50% | — | — | — | $151K | 0.8% | |
| T. Rowe Price T. Rowe Price Retirement 2060 Adv | — | — | — | $72K | 0.4% | |
| Goldman Sachs Goldman Sachs Small/Mid Cap Growth A | — | — | — | $66K | 0.3% | |
| T. Rowe Price T. Rowe Price Retirement 2020 Adv | — | — | — | $66K | 0.3% | |
| State Street Bank & Trust Co. Cash Reserve Account | — | — | — | $58K | 0.3% | |
| T. Rowe Price T. Rowe Price Retirement 2010 Adv 23 T. Rowe Price T. Rowe Price Retirement 2015 Adv | — | — | — | $48K | 0.3% | |
| Invesco Discovery Y | — | — | — | $47K | 0.2% | |
| T. Rowe Price T. Rowe Price Retirement 2005 Adv | — | — | — | $15K | <0.1% | |
| T. Rowe Price T. Rowe Price Retirement 2065 Adv | — | — | — | $12K | <0.1% |
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