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Original filing (PDF)20251014104909NAL0005486946001
L & M COMPANIES, INC.
Form 5500
FILING_RECEIVED
L & M BENEFIT PLAN
Health & welfare plan
Signals · 3
~4154 bps in Sched C feesNo recordkeeper disclosed8 service providers
Active participants
140
Accounts w/ balance
—
Plan assets (EOY)
$963K
Net assets (EOY)
$963K
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 4154 bps in Schedule C fees — 2529% above peer band of 158 bps.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for L & M COMPANIES, INC..
Plan sponsor
Name
L & M COMPANIES, INC.
EIN
56-0811549
Address
2925 HUNTLEIGH DRIVE, SUITE 204 · RALEIGH, NC · 27604
Phone
(919) 981-8097
Industry
Wholesale Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4H · Long-Term Disability
4L · Death Benefits (other than life insurance)
4Q · Other
Audit & trust (Schedule H)
Auditor
CHERRY BEKAERT LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
8 rowsOther
8| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FLORES AND ASSOCIATES | 56-1542307 | — | NONE | $117K | — |
| NEW YORK LIFE | 23-1503749 | — | NONE | $93K | — |
| AETNA LIFE INSURANCE CO | 06-6033492 | — | NONE | $93K | — |
| AON CONSULTING | — | CHARLOTTE, NC | NONE | $44K | — |
| ACA TRACK LLC | — | WALLED LAKE, MI | NONE | $38K | — |
| FIRST CITIZENS BANK & TRUST COMPANY | — | RALEIGH, NC | NONE | $9K | — |
| FLORES AND ASSOCIATES | 56-1542307 | — | NONE | $5K | — |
| AFLAC | — | COLUMBUS, GA | NONE | $1K | — |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.
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