E.d. & F. Man Holdings, Inc. 401(k) Review & Grade
E. D. & F. Man Holdings, Inc. Savings & Investment Plan
New Orleans, LAManagement of Companies507 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,338Employer $ per active participant
$4,805Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$117.0MNet plan assets, end of year
$207,869Average balance per account
Score breakdown
- Employer generosity39.5 / 5079th percentile for employer $ per participant
- Low cost22.7 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1539th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 91th |
| Employee saving | 39th |
| Peers that auto-enroll | 58% |
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Red flags from the filing
Corrective distributions: the plan refunded $8,355 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- E.d. & F. Man Holdings put in about $5,338 per active participant, more than the typical peer ($2,492). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,706,176 |
| Participant (employee) contributions | $2,436,043 |
| Other contributions (incl. rollovers in) | $377,776 |
| Administrative expenses paid from the plan | $43,565 |
| Investment advisory & management fees | $24,240 |
| Benefits paid out | $12,387,356 |
| Net assets, start / end of year | $109.6M / $117.0M |
| Active participants, start / end of year | 512 / 502 |
| Participants with account balances | 563 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eisneramper |
Largest service providers (Schedule C)
| Polsinelli | $24,240 reported compensation |
| Eisneramper LLP | $10,900 reported compensation |
| Merrill Lynch, Pierce, Fenner and S | $8,425 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930150853NAL0012446305001, received 2025-09-30, EIN 13-4101062, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.