Mau, Inc. 401(k) Review & Grade
Mau, Inc. 401(k) Profit Sharing Plan
Augusta, GAAdministrative, Support & Staffing Services3,446 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$227Employer $ per active participant
$540Employee $ saved per active participant
0.40%Direct admin cost, % of plan assets
$15.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity22.2 / 5044th percentile for employer $ per participant
- Low cost4.1 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving4.4 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 16th |
| Employee saving | 29th |
| Peers that auto-enroll | 22% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Mau put in about $227 per active participant, below the typical peer ($342). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.40% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $781,554 |
| Participant (employee) contributions | $1,861,268 |
| Other contributions (incl. rollovers in) | $279,503 |
| Administrative expenses paid from the plan | $56,434 |
| Contract administrator fees | $44,124 |
| Investment advisory & management fees | $8,860 |
| Other admin expenses | $3,450 |
| Benefits paid out | $2,433,354 |
| Net assets, start / end of year | $12.8M / $15.1M |
| Active participants, start / end of year | 3,804 / 3,087 |
| Participants with account balances | 528 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cherry Bekaert LLP |
Largest service providers (Schedule C)
| Voya Retirement Advisors, LLC | $8,690 reported compensation |
| Nova 401(k) Associates | $6,694 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009071747NAL0006614881001, received 2025-10-09, EIN 58-1168832, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.