Plan Ledger DOL Form 5500 · updated monthly

Emm Loans LLC401(k)

EMM LOANS LLC 401(K) PLAN · CHERRY HILL, NJ · plan year 2024

Reported admin expense ratio · 2024
0.60%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

Emm Loans LLC reported $44,488 in plan administrative expenses for 2024: 0.60% of average plan assets, above the peer median. Employer contributions averaged $491 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio fell from 0.72% to 0.60%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other finance & insurance employers. By assets it is among the smaller plans on file in New Jersey (1,691st of 2,419), and 4,211th of 4,798 in finance & insurance. In 2024, employees put in $8.97 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$7,635,559
Participants with balances223
Active participants172
Employer contributions$84,452
Employee contributions$757,757
Employer contribution per active participant$491
Average account balance$34,240
Benefits paid to participants$1,424,316
Plan auditUnmodified (clean) audit opinion
AuditorRICHEY MAY & COMPANY
Plan history3
Yearassets · accounts · employer contribution
2024$7.6M · 223 accts · $84K emplr
2023$7.3M · 228 accts · $97K emplr
2022$6.0M · 236 accts · $110K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$35,303
Investment management$9,185
Total administrative$44,488
The Emm Loans LLC 401(k) match · 2024
Employer contribution per active participant$491
Median for plans this size$1,313
2024$491 per active participant
2023$609 per active participant
2022$631 per active participant

Emm Loans LLC's 2024 employer contribution ran below the $1,313 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
ADP, INC. · Loan processing · Recordkeeping$35,303
INNOVATIVE INVESTMENT FIDUCIARIES, · Recordkeeping · Trustee$9,185
ADP BROKER-DEALERindirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year2
2024ADP, INNOVATIVE INVESTMENT FIDUCIARIES,
2023ADP, INNOVATIVE INVESTMENT FIDUCIARIES,

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Administrative cost history3
2024$44,488 · 0.60%
2023$41,587 · 0.63%
2022$49,697 · 0.72%
Same employer
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Swyfft Holdings LLC NJ$11.1M · 0.27%
Mld Mortgage, Inc. NJ$10.5M · 0.39%
Rsm Holdings, LLC NJ$9.2M · 0.65%
Labor First, LLC NJ$8.2M · 0.84%
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Source: U.S. Department of Labor, Form 5500 series, EIN 542070914 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.