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Original filing (PDF)20251007115530NAL0002642467001
EMPLOYEE LIABILITY MANAGEMENT, INC.
Form 5500
FILING_RECEIVED
ELM STAFFING, INC. 401(K) PLAN
401(k) retirement plan
Signals · 3
~106 bps in Sched C feesNo recordkeeper disclosed6 service providers
Active participants
1,108
Accounts w/ balance
707
Plan assets (EOY)
$26.1M
Net assets (EOY)
$26.1M
Plan health score (directional)
81
/ 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
80
Knocking points off
- 106 bps in Schedule C fees — 267% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- 64% balance-to-active ratio — below typical for a healthy 401(k).
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 EMPLOYEE LIABILITY MANAGEMENT, INC..
Plan sponsor
Name
EMPLOYEE LIABILITY MANAGEMENT, INC.
EIN
63-1249564
Address
210 S. WASHINGTON AVENUE · MOBILE, AL · 36602
Phone
(251) 470-0700
Industry
Admin Support & Waste Mgmtsee 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
2025-10-07
Pension benefit codes
2A · Age/service weighted or new comparability
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)
Audit & trust (Schedule H)
Auditor
CERESA N. FRENKEL, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4156830 | — | RECORDKEEPER CUSTODIAN | $2K | — |
Advisor / Consultant
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| L&L FINANCIAL SERVICES | 63-1238530 | — | ADVISORY SERVICE PROVIDE | $168K | — |
| BRINKER CAPTITAL INVESTMENTS | 13-4109249 | — | ADVISORY | $53K | — |
| IRON FIDUCIARY | 99-9552241 | — | ADVISORY | $12K | — |
| ERNEST L SMITH JR | — | — | ADVISOR | $2K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT PROFESSIONALS, INC. | — | ALBERTVILLE, AL | TPA | $41K | — |
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.