401(k) Monitor

Mwg Holdings Group, Inc. 401(k) Plan

Mwg Holdings Group, Inc. · Sacramento, CA · EIN 833851745 · Plan 001 · Form 5500 for plan year 2021

What Mwg Group put into the plan, per active participant

$275

Mwg Holdings Group, Inc. put $275 into this plan for each of its 160 active participants in plan year 2021. That is the whole employer side, matching money, profit sharing, non-elective and safe-harbor contributions and reallocated forfeitures together, because the Form 5500 reports them on one line, so it is not the match rate.

0 · least per person100 · most per person

Mwg Group put in less per active participant than 97% of plans with 100–499 participants in construction. The middle plan in that group of 2,201 reported $2,441. Construction comes from business code 236200, which Mwg Holdings Group, Inc. entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.

What this figure cannot separate: how much Mwg Group pays, and how much it puts in

This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.

This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.

Source: Form 5500 filing for the plan year ended December 31, 2021, received by the DOL February 27, 2025 · DOL EFAST2 ↗

What the plan cost, per participant

Not ranked

Schedule H reports $0 in plan-paid administrative expenses. That usually means the employer pays the bills directly, or that fees are netted inside fund assets, so the plan is not ranked on cost and $0 is not a cheap plan.

401(k) Monitor Score

Not scored

This filing reports one of the two amounts the score is built from, so it takes none. Schedule H reports $0 in plan-paid administrative expenses. That usually means the employer pays the bills directly, or that fees are netted inside fund assets, so the plan is not ranked on cost and $0 is not a cheap plan.

It keeps whichever of the two it does report, above. Nothing is filled in from an average, from another year or from another plan, because a two-part score computed on one part is a different measure wearing the same name.

What the score would read, on a filing that carries both: Where this plan stands against plans of its size and industry on two amounts its Form 5500 reports: employer money in per active person, and plan-paid cost per person. It reads no match formula, no vesting schedule and no fund lineup, because a Form 5500 states none of them.

On this page: where the match terms are stated · what to check next · every figure on the filing · fees itemised · the plans this one is ranked against · service providers

The match and vesting terms, from a Form 11-K

The match formula and the vesting schedule are stated in a Form 11-K, which is filed only by employers whose plan holds company stock. A Form 5500 reports neither.

What Mwg Group puts in

Not in public filings for this employer

We have no SEC Form 11-K for this employer, and the Form 5500 this page is built from does not report match terms.

Two places state the terms in full: your plan’s Summary Plan Description, which your employer must provide on request, and your recordkeeper’s site, the one you log in to for your balance.

What you contribute to collect all of it

Not in public filings for this employer

The rate that collects the full match is part of the match formula, which a Form 5500 does not report.

Vesting score

Not scored

The vesting schedule is stated in a Form 11-K, and we have none for this employer.

A schedule this cannot read at whole-year anniversaries is left without a number rather than given a middle one.

The formula, the six-year window and a worked example

What the plan costs, against plans of its size

Not reported

The Form 5500 filing does not report the plan-paid administrative expenses this figure needs.

What to check next

  • Your own numbers are not on this page

    Every figure here is the whole plan for plan year 2021, taken from one filing and divided by headcounts. Your own contribution rate, your balance and the fees taken from your account are on your recordkeeper’s site. What you may put in during a year is set by the IRS and not by the plan: this year’s limits ↗.

Key figures

From Schedule H of Form 5500 filing 20250227112933NAL0001002995001, plan year 2021.
Total plan assets, end of year$103,690
Net assets$103,690
Participants, beginning of year121
Of which active160
Plan typeSingle employer
Size cohortThe peer group we rank fees against.100–499 participants
Employer share of the money that went in, plan year 2021The rest came from employees, who put in $59,033. The share falls when employees save more, so a plan whose staff contribute heavily reads lower here through no act of the employer. It is printed as a fact and it is not part of the score.43%

Plan-paid administrative expenses

Schedule H reports $0 in plan-paid administrative expenses for this year. $0 usually means the employer pays the bills, or fees are netted inside fund assets. It does not mean the plan is free.

The plans this one is ranked against

Fees on this page are ranked against the 100–499 participant cohort, where the median plan pays $156.87 per participant. The sponsor files from California, one of 6,801 plans on file there, at a median of $109.24 per participant. Its business code places the plan in construction, one of 3,507 on file, which run to a median of $166.95.

Plans of a similar size in California

The plans nearest this one by participant count, out of 4,614 in its peer group. Cost per participant is each plan’s own Schedule H figure, and a filing that reported no administrative expenses says so instead of showing a zero.
PlanParticipantsCost per participant
Sierra Pacific Home And Comfort, Inc. 401(k) PlanSierra Pacific Home & Comfort, Inc.121$166.55
Kitchen Mart Inc. 401(k) Profit Sharing Plan & TrustKitchen Mart Inc.121$397.64
Kool Runnings LLC 401(k) PlanKool Runnings LLC121$12.01
Cwd, LLCCwd, LLC121$167.14

Service providers (Schedule C)

Not reported in filing. Plans with bundled or revenue-sharing arrangements often report no Schedule C provider compensation. Absence here is a reporting artifact, not a $0 cost.

Source

DatasetDOL EFAST2 Form 5500 bulk data (FOIA)
Form year2024
Filing ACK_ID20250227112933NAL0001002995001
Dataset last refreshedJuly 28, 2026

Bulk dataset at askebsa.dol.gov ↗ · Look up the filing on EFAST2 ↗

Filings lag by design: a plan can file up to 9½ months after its year ends, so this is the newest data on file. Why filings lag

Filed late: the plan year predates the form year of the source dataset.

Cite this page

401(k) Monitor, "Mwg Holdings Group, Inc. 401(k) Plan: Form 5500 facts", from DOL EFAST2 filing 20250227112933NAL0001002995001, plan year ended December 31, 2021.