Mainstream Nonprofit Solutions 401(k) Review & Grade
401(k) Profit Sharing Plan for Employees of Mainstream Nonprofit Solutions, Inc.
Emporia, KSOther Services1,256 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,396Employer $ per active participant
$2,065Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$22.2MNet plan assets, end of year
$11,052Average balance per account
Score breakdown
- Employer generosity27.0 / 5054th percentile for employer $ per participant
- Low cost17.8 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 71th |
| Employee saving | 41th |
| Peers that auto-enroll | 40% |
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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
- Mainstream Nonprofit Solutions put in about $1,396 per active participant, more than the typical peer ($1,257). 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 | $1,753,509 |
| Participant (employee) contributions | $2,595,291 |
| Other contributions (incl. rollovers in) | $632,271 |
| Administrative expenses paid from the plan | $21,432 |
| Other admin expenses | $21,432 |
| Benefits paid out | $1,436,657 |
| Net assets, start / end of year | $16.3M / $22.2M |
| Active participants, start / end of year | 993 / 1,520 |
| Participants with account balances | 2,005 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $29,808 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014130943NAL0004030912001, received 2025-10-14, EIN 26-1163697, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.