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Original filing (PDF)20251015074301NAL0005438720001
SPAR GROUP, INC
Form 5500
FILING_RECEIVED
SPAR GROUP, INC 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
~106 bps in Sched C feesNo recordkeeper disclosed
Active participants
4,703
Accounts w/ balance
706
Plan assets (EOY)
$10.4M
Net assets (EOY)
$10.4M
How this plan invests
This plan
5 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
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
65
Vendor stack
80
Participation health
65
Knocking points off
- 106 bps in Schedule C fees — 266% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 15% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPAR GROUP, INC.
Plan sponsor
Name
SPAR GROUP, INC
EIN
33-0684451
Address
1910 OPDYKE COURT · AUBURN HILLS, MI · 48326
Phone
(248) 364-8558
Industry
Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
BDO USA, P.C
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SENTINEL PENSION ADVISORS INC | 04-3422848 | — | INVESTMENT ADVISORY | $22K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $46K | — |
| ORENDA RETIREMENT LLC | 36-4877979 | — | CONTRACT ADMINISTRATOR | $43K | — |
Investments
25 direct securities · 5 pooled funds· $14.5M(100% 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
$10.4M
25 holdings
Pooled Separate Account
$4.1M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Prin Blue Chip SA-Z | — | — | $0 | $2.2M | 20.9% | |
| MFS Mid-Cap Growth R6 Fund | — | — | $0 | $1.4M | 13.9% | |
| Participant Loans | — | — | $0 | $1.4M | 13.4% | |
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $1.4M | 13.4% | |
| PRIN INTL EQUITY INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 121 | Pooled Separate Account | — | — | $956K | 9.2% | |
| Prin SAM Flexible Income SA-Z | — | — | $0 | $956K | 9.2% | |
| PRIN BLUE CHIP SA-A PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 133 | Pooled Separate Account | — | — | $831K | 8.0% | |
| Loomis Sayles Sm Cp Gr N Fd | — | — | $0 | $831K | 8.0% | |
| Vanguard Equity-Inc Adm Fund | — | — | $0 | $796K | 7.6% | |
| PRIN SAM FLEXIBLE INCOME SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 108 | Pooled Separate Account | — | — | $604K | 5.8% | |
| Touchstone Sm Company R6 Fund | — | — | $0 | $604K | 5.8% | |
| Vanguard MidCap Val Idx Adm Fd | — | — | $0 | $337K | 3.2% | |
| PIMCO Real Return Instl Fund | — | — | $0 | $323K | 3.1% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $323K | 3.1% | |
| BlackRock Equity Div K Fund | — | — | $0 | $309K | 3.0% | |
| DWS RREEF RE Sec R6 Fund | — | — | $0 | $232K | 2.2% | |
| FIDELITY ADV TOTAL BOND Z FD | — | — | $0 | $228K | 2.2% | |
| DFA Large Cap Int'l I Fd | — | — | $0 | $159K | 1.5% | |
| Vanguard Ttl Bd Mkt Idx Adm Fd | — | — | $0 | $156K | 1.5% | |
| Prin MidCap S&P 400 Idx SA-Z | — | — | $0 | $95K | 0.9% | |
| Prin Intl Equity Index SA-Z | — | — | $0 | $67K | 0.6% | |
| Am Fds 2015 Trgt Dte Rtm R6 Fd | — | — | $0 | $65K | 0.6% | |
| American Funds NewWorld R6 | — | — | $0 | $65K | 0.6% | |
| Prin LgCp S&P 500 Index SA-Z | — | — | $0 | $50K | 0.5% | |
| Am Fds 2065 Trgt Dte Rtm R6 Fd | — | — | $0 | $39K | 0.4% | |
| AM FDS 2055 TRGT DTE RTM R6 FD | — | — | $0 | $32K | 0.3% | |
| Am Fds 2040 Trgt Dte Rtm R6 Fd | — | — | $0 | $22K | 0.2% | |
| Am Fds 2030 Trgt Dte Rtm R6 Fd | — | — | $0 | $17K | 0.2% | |
| Am Fds 2045 Trgt Dte Rtm R6 Fd | — | — | $0 | $5K | <0.1% | |
| Prin Fixed Inc Guar Option | — | — | $0 | $276 | <0.1% |
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