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Original filing (PDF)20251014114622NAL0002797697001
EMERSON SCHOOL
Form 5500
FILING_RECEIVED
EMERSON SCHOOL DEFINED CONTRIBUTION AND TAX DEFERRED ANNUITY RETIREMENT PLAN
401(k) retirement plan
Active participants
92
Accounts w/ balance
143
Plan assets (EOY)
$18.9M
Net assets (EOY)
$18.9M
How this plan invests
This plan
1 pooled trust
Schedule D
63 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (14 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EMERSON SCHOOL.
Plan sponsor
Name
EMERSON SCHOOL
EIN
23-7442766
Address
5425 SCIO CHURCH RD · ANN ARBOR, MI · 481039287
Phone
(734) 665-9005
Industry
Educational Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2L · 403(b)(1) annuity
2S · Automatic enrollment
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
REHMANN ROBSON, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TIAA | 13-1624203 | — | RECORDKEEPER | $13K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BANK OF ANN ARBOR | 38-3252110 | — | CONSULTANT | $14K | — |
Investments
61 direct securities · 1 pooled fund· $18.8M(99% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$18.4M
60 holdings
Pooled Separate Account
$304K
1 holding
Registered Investment Companies
$43K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TIAA-CREF CREF Stock R1 | — | — | — | $3.5M | 18.4% | |
| Investment contracts with an insurance company * TIAA-CREF TIAA Traditional, not-fully benefit-responsive, Insurance Company interest rate 5.50% as of December 31, 2024 | — | — | — | $1.8M | 9.3% | |
| TIAA-CREF CREF Growth R1 | — | — | — | $1.1M | 6.0% | |
| American Funds American Funds 2035 Target Date Retirement R6 | — | — | — | $1.1M | 5.8% | |
| American Funds American Funds 2045 Target Date Retirement R6 | — | — | — | $1.1M | 5.6% | |
| TIAA-CREF CREF Global Equities R1 | — | — | — | $788K | 4.2% | |
| Fully benefit-responsive investment contracts with an insurance company * TIAA-CREF TIAA Traditional, fully benefit-responsive, Insurance Company interest rate 4.75% as of December 31, 2024 | — | — | — | $752K | 4.0% | |
| American Funds American Funds 2030 Target Date Retirement R6 | — | — | — | $744K | 3.9% | |
| Parnassus Core Equity Institutional | — | — | — | $647K | 3.4% | |
| Vanguard 500 Index Admiral | — | — | — | $430K | 2.3% | |
| American Funds American Funds 2040 Target Date Retirement R6 | — | — | — | $343K | 1.8% | |
| Vanguard Wellesley Income Admiral | — | — | — | $340K | 1.8% | |
| TIAA-CREF TIAA Access Nuveen Core Equity T4 | — | — | — | $317K | 1.7% | |
| American Funds American Funds Balanced Fund R6 | — | — | — | $314K | 1.7% | |
| TIAA REAL ESTATE TIAA CREF · EIN 13-1624203 / PN 004 | Pooled Separate Account | — | — | $304K | 1.6% | |
| Victory Capital Management Inc. Victory Sycamore Established Value R6 | — | — | — | $295K | 1.6% | |
| American Funds American Funds 2055 Target Date Retirement R6 | — | — | — | $289K | 1.5% | |
| American Funds American Funds 2025 Target Date Retirement R6 | — | — | — | $283K | 1.5% | |
| TIAA-CREF TIAA Access Nuveen Large Cap Growth T4 | — | — | — | $268K | 1.4% | |
| TIAA-CREF CREF Equity Index R1 | — | — | — | $265K | 1.4% | |
| Vanguard Intermediate-Term Bond Index Admiral | — | — | — | $253K | 1.3% | |
| TIAA-CREF TIAA Access Nuveen Lifecycle 2045 T4 | — | — | — | $249K | 1.3% | |
| TIAA-CREF TIAA Stable Value, fully benefit-responsive, Insurance Company interest rate 2.80% as of December 31, 2024 | — | — | — | $219K | 1.2% | |
| TIAA-CREF CREF Core Bond R1 | — | — | — | $214K | 1.1% | |
| Vanguard Total International Stock Index Admiral | — | — | — | $213K | 1.1% | |
| American Funds American Funds 2050 Target Date Retirement R6 | — | — | — | $186K | 1.0% | |
| TIAA-CREF CREF Inflation-Linked Bond R1 | — | — | — | $183K | 1.0% | |
| American Funds American Funds 2060 Target Date Retirement R6 | — | — | — | $165K | 0.9% | |
| TIAA-CREF CREF Social Choice R1 | — | — | — | $159K | 0.8% | |
| JPMorgan Equity Income Fund Class R6 | — | — | — | $116K | 0.6% | |
| TIAA-CREF TIAA Access Nuveen Real Estate Securities Select T4 | — | — | — | $112K | 0.6% | |
| TIAA-CREF TIAA Access Nuveen Large Cap Value T4 | — | — | — | $107K | 0.6% | |
| Principal Funds Principal Mid Cap Fund Class R6 | — | — | — | $105K | 0.6% | |
| MFS International Growth Class R6 | — | — | — | $104K | 0.6% | |
| TIAA-CREF TIAA Access Nuveen International Equity T4 | — | — | — | $103K | 0.5% | |
| American Funds American Funds Income Fund of America R6 | — | — | — | $99K | 0.5% | |
| TIAA-CREF TIAA Access Nuveen Lifecycle 2035 T4 | — | — | — | $98K | 0.5% | |
| Victory Capital Management Inc. Pioneer Fundamental Growth K | — | — | — | $95K | 0.5% | |
| TIAA-CREF CREF Money Market Fund R1 | — | — | — | $90K | 0.5% | |
| Virtus KAR Small Cap Growth R6 | — | — | — | $80K | 0.4% | |
| TIAA-CREF TIAA Access Nuveen Mid Cap Growth T4 | — | — | — | $78K | 0.4% | |
| TIAA-CREF TIAA Access Nuveen Large Cap Responsible Equity T4 | — | — | — | $71K | 0.4% | |
| Vanguard Small-Cap Index Admiral | — | — | — | $69K | 0.4% | |
| TIAA-CREF TIAA Access Nuveen Mid Cap Value T4 | — | — | — | $67K | 0.4% | |
| American Funds American Funds 2020 Target Date Retirement R6 | — | — | — | $66K | 0.4% | |
| TIAA-CREF TIAA Access Nuveen Equity Index T4 | — | — | — | $56K | 0.3% | |
| Vanguard Real Estate Index Admiral | — | — | — | $53K | 0.3% | |
| Vanguard Mid-Cap Index Admiral | — | — | — | $52K | 0.3% | |
| TIAA-CREF TIAA Access Nuveen Core Plus Bond T4 | — | — | — | $48K | 0.3% | |
| TIAA-CREF TIAA Access Nuveen Lifecycle 2040 T4 | — | — | — | $45K | 0.2% | |
| funds American Beacon American Beacon Small Cap Value R5 | Registered Investment Companies | — | — | $43K | 0.2% | |
| TIAA-CREF TIAA Access Nuveen Lifecycle 2015 T4 | — | — | — | $42K | 0.2% | |
| American Funds American Funds New World R6 | — | — | — | $41K | 0.2% | |
| PIMCO Income Fund Institutional | — | — | — | $38K | 0.2% | |
| Vanguard International Value Investor | — | — | — | $38K | 0.2% | |
| TIAA-CREF TIAA Access Nuveen Quant Small Cap Equity T4 | — | — | — | $33K | 0.2% | |
| TIAA-CREF TIAA Access Nuveen Lifecycle 2010 T4 | — | — | — | $30K | 0.2% | |
| TIAA-CREF TIAA Access Nuveen Small Cap Blend Index T4 | — | — | — | $29K | 0.2% | |
| TIAA-CREF TIAA Access Nuveen Lifecycle 2025 T4 | — | — | — | $20K | 0.1% | |
| TIAA-CREF TIAA Access Nuveen Lifecycle 2030 T4 | — | — | — | $20K | 0.1% | |
| American Funds American Funds 2065 Target Date Retirement R6 | — | — | — | $9K | <0.1% | |
| American Funds American Funds 2015 Target Date Retirement R6 | — | — | — | $4K | <0.1% |
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