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Original filing (PDF)20251002221640NAL0000886177001
MUD BAY, INC.
Form 5500
FILING_RECEIVED
MUD BAY RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~90 bps in Sched C fees
Active participants
427
Accounts w/ balance
511
Plan assets (EOY)
$6.2M
Net assets (EOY)
$6.2M
How this plan invests
This plan
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 90 bps in Schedule C fees — 74% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MUD BAY, INC..
Plan sponsor
Name
MUD BAY, INC.
EIN
91-2060015
Address
500 COLUMBIA STREET NW · OLYMPIA, WA · 98501
Phone
(360) 709-0074
Industry
Retail Tradesee 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
2025-10-02
Pension benefit codes
2E · Profit-sharing
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS. CO. OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $37K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI SECURITIES INC. | — | GLASTONBURY, CT | INVESTMENT ADVISOR | $13K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI CONSULTING GROUP INC. | — | GLASTONBURY, CT | CONTRACT ADMIN | $4K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $1K | — |
| ENVESTNET RETIREMENT SOLUTIONS, LLC | — | DENVER, CO | OTHER | $1K | — |
Investments
32 direct securities· $6.2M(100% of reported assets)
Uncategorized
$6.2M
31 holdings
Mutual Funds
$14K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2050 Target Date-R6 N/R | — | — | — | $827K | 13.3% | |
| American Funds 2060 Target Date-R6 N/R | — | — | — | $723K | 11.6% | |
| American Funds 2055 Target Date-R6 N/R | — | — | — | $708K | 11.4% | |
| American Funds 2035 Target Date-R6 N/R | — | — | — | $578K | 9.3% | |
| American Funds 2045 Target Date-R6 N/R | — | — | — | $562K | 9.0% | |
| Janus Henderson Balanced-N N/R | — | — | — | $539K | 8.7% | |
| American Funds 2030 Target Date-R6 N/R | — | — | — | $448K | 7.2% | |
| American Funds 2040 Target Date-R6 N/R | — | — | — | $323K | 5.2% | |
| Franklin Dynatech-R6 N/R | — | — | — | $294K | 4.7% | |
| Fidelity Global ex U.S. Index N/R | — | — | — | $226K | 3.6% | |
| Fidelity 500 Index N/R | — | — | — | $183K | 2.9% | |
| Putnam Large Cap Value-R6 N/R | — | — | — | $128K | 2.1% | |
| American Funds Small Cap World-R6 N/R | — | — | — | $90K | 1.4% | |
| American Funds 2025 Target Date-R6 N/R | — | — | — | $85K | 1.4% | |
| Group Annuity Contract With Insurance Company * Empower Fixed Account - Series Class I N/R | — | — | — | $69K | 1.1% | |
| Fidelity Mid Cap Index N/R | — | — | — | $68K | 1.1% | |
| American Funds New World-R6 N/R | — | — | — | $65K | 1.1% | |
| Fidelity Small Cap Index N/R | — | — | — | $54K | 0.9% | |
| American Funds 2020 Target Date-R6 N/R | — | — | — | $42K | 0.7% | |
| American Century Mid Cap Value-R6 N/R | — | — | — | $25K | 0.4% | |
| R6 American Funds New Perspective-R6 N/R | — | — | — | $24K | 0.4% | |
| American Funds Capital World Growth and Income- N/R | — | — | — | $23K | 0.4% | |
| PGIM US Real Estate-R6 N/R | — | — | — | $21K | 0.3% | |
| American Funds The Bond of America-R6 N/R | — | — | — | $20K | 0.3% | |
| American Funds 2015 Target Date-R6 N/R | — | — | — | $19K | 0.3% | |
| American Funds Capital Income Builder-R6 N/R | — | — | — | $18K | 0.3% | |
| JP Morgan Small Cap Value-R6 N/R | — | — | — | $16K | 0.3% | |
| AB Discovery Growth N/R | Mutual Funds | — | — | $14K | 0.2% | |
| Federated Hermes Total Return Bond R6 N/R | — | — | — | $7K | 0.1% | |
| T. Rowe Price Inflation Protected Bond I N/R | — | — | — | $7K | 0.1% | |
| Putnam Small Cap Growth R6 N/R | — | — | — | $4K | <0.1% | |
| BlackRock High Yield Bond Portfolio-K N/R | — | — | — | $2K | <0.1% |
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