Consumer Portfolio Services 401(k) match, vesting and fees
What Consumer Portfolio Services' 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Insurance Company | Schedule C ↗ |
| Independent auditor | Haskell & White LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 214 defined-contribution plans in finance and insurance with 1,000 to 4,999 participants.
| Consumer Portfolio Services: employer contribution per participant | $1,340 | |
| Peer median | $3,266 |
| Consumer Portfolio Services: average balance | $67,329 | |
| Peer median | $137,177 |
| Consumer Portfolio Services: admin expenses ÷ assets | 0.25% | |
| Peer median | 0.08% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $49M at the end of plan year 2022 to $78.7M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 1,190 | $78.7M | $1.6M | $1,340 | 0.25% | Not published | Form 5500 ↗ |
| 2024 | 1,164 | $71.3M | $1.5M | $1,345 | 0.26% | Not published | Form 5500 ↗ |
| 2023 | 1,046 | $59.7M | $1.4M | $1,338 | 0.39% | Not published | Form 5500 ↗ |
| 2022 | 976 | $49M | $1.3M | $1,359 | 0.43% | Not published | Form 5500 ↗ |
Other Consumer Portfolio Services plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Mfn Financial Corporation Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Insurance Company | Schedule C ↗ |
| Independent auditor | Haskell and White LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Frozen | Form 5500 ↗ |
Common questions
Does Consumer Portfolio Services match 401(k) contributions?
The match terms for the Consumer Portfolio Services, Inc. 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $1.6M in employer contributions, about $1,340 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Consumer Portfolio Services 401(k) match vested?
The vesting schedule for the Consumer Portfolio Services, Inc. 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Consumer Portfolio Services 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Company. The plan administrator is Consumer Portfolio Services, Inc..
I left Consumer Portfolio Services. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Consumer Portfolio Services, Inc., (949) 753-6815) or the recordkeeper, Empower Annuity Insurance Company. The Consumer Portfolio Services old 401(k) page lists the contacts from every plan filing. Find an old Consumer Portfolio Services 401(k)
Data from the public Form 5500 annual reports Consumer Portfolio Services filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Consumer Portfolio Services. Not financial advice. Report a correction · Methodology