Map Communications Holdings, Inc. 401(k) Review & Grade
Map Communications Holdings, Inc. 401(k) Employees' Stock Ownership Plan
Chesapeake, VAAdministrative, Support & Staffing Services2,001 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,108Employer $ per active participant
$1,147Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$391.9MNet plan assets, end of year
$181,337Average balance per account
Score breakdown
- Employer generosity40.1 / 5080th percentile for employer $ per participant
- Low cost22.0 / 2588th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 88th |
| Employee saving | 36th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $106,543 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Map Communications Holdings put in about $2,108 per active participant, more than the typical peer ($712). 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.
- 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 | $4,217,813 |
| Participant (employee) contributions | $2,295,613 |
| Other contributions (incl. rollovers in) | $164,925 |
| Administrative expenses paid from the plan | $167,667 |
| Contract administrator fees | $136,396 |
| Investment advisory & management fees | $31,271 |
| Benefits paid out | $25,451,096 |
| Net assets, start / end of year | $310.6M / $391.9M |
| Active participants, start / end of year | 2,110 / 1,892 |
| Participants with account balances | 2,161 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pbmares LLP |
| Employer stock held by plan | $360,430,229 |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $136,396 reported compensation |
| Capfinancial Partners, LLC | $31,282 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006123704NAL0003644977001, received 2025-10-06, EIN 71-0918983, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.