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Original filing (PDF)20251013090736NAL0001569920001
STURGIS BANK & TRUST COMPANY
Form 5500
FILING_RECEIVED
STURGIS BANK & TRUST COMPANY 401(K) PROFIT SHARING PLAN & TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
211
Accounts w/ balance
247
Plan assets (EOY)
$13.7M
Net assets (EOY)
$13.7M
How this plan invests
This plan
30 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for STURGIS BANK & TRUST COMPANY.
Plan sponsor
Name
STURGIS BANK & TRUST COMPANY
EIN
38-1080012
Address
PO BOX 600 · STURGIS, MI · 490910600
Phone
(269) 651-9345
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
UHY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PCS RETIREMENT, LLC | 23-3038464 | — | CONTRACT ADMINISTRATOR | $18K | — |
| DOEREN MAYHEW | 87-4032470 | — | TPA | $5K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UHY LLP | — | CLEVELAND, OH | AUDITOR | $12K | — |
Investments
3 direct securities · 30 pooled funds· $10.7M(79% 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.
Common Collective Trust
$10.6M
30 holdings
Uncategorized
$181K
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BLACKROCK EQUITY INDEX FUND GREAT GRAY TRUST COMPANY · EIN 20-3802168 / PN 001 | Common Collective Trust | — | — | $1.4M | 10.4% | |
| MYWAY RETIREMENT LARGE VALUE FUND GREAT GRAY TRUST COMPANY · EIN 38-7264527 / PN 690 | Common Collective Trust | — | — | $1.2M | 9.0% | |
| MYWAY RETIREMENT INDEX 2030 FUND GREAT GRAY TRUST COMPANY · EIN 38-4065294 / PN 378 | Common Collective Trust | — | — | $923K | 6.8% | |
| MYWAY RETIREMENT INDEX 2040 FUND GREAT GRAY TRUST COMPANY · EIN 38-4065295 / PN 379 | Common Collective Trust | — | — | $696K | 5.1% | |
| MYWAY RETIREMENT INDEX 2035 FUND GREAT GRAY TRUST COMPANY · EIN 38-4065300 / PN 384 | Common Collective Trust | — | — | $657K | 4.8% | |
| MYWAY RETIREMENT LARGE CAP FUND GREAT GRAY TRUST COMPANY · EIN 38-4139869 / PN 647 | Common Collective Trust | — | — | $638K | 4.7% | |
| MYWAY RETIREMENT CORE BOND FUND R GREAT GRAY TRUST COMPANY · EIN 38-4139867 / PN 645 | Common Collective Trust | — | — | $633K | 4.6% | |
| MYWAY RETIREMENT INDEX 2055 FUND GREAT GRAY TRUST COMPANY · EIN 38-4065302 / PN 386 | Common Collective Trust | — | — | $579K | 4.2% | |
| MYWAY RETIREMENT INDEX 2050 FUND GREAT GRAY TRUST COMPANY · EIN 38-4065307 / PN 391 | Common Collective Trust | — | — | $454K | 3.3% | |
| MYWAY RETIREMENT SMALL CAP GROWTH GREAT GRAY TRUST COMPANY · EIN 83-3963451 / PN 650 | Common Collective Trust | — | — | $452K | 3.3% | |
| MYWAY RETIREMENT INDEX 2060 FUND GREAT GRAY TRUST COMPANY · EIN 38-4065297 / PN 381 | Common Collective Trust | — | — | $424K | 3.1% | |
| MYWAY RETIREMENT INDEX 2045 FUND GREAT GRAY TRUST COMPANY · EIN 38-4065301 / PN 385 | Common Collective Trust | — | — | $382K | 2.8% | |
| BLACKROCK RUSSELL 2000 INDEX FUND GREAT GRAY TRUST COMPANY · EIN 20-3802587 / PN 004 | Common Collective Trust | — | — | $361K | 2.6% | |
| MYWAY RETIREMENT EMERGING MARKETS GREAT GRAY TRUST COMPANY · EIN 38-7264529 / PN 692 | Common Collective Trust | — | — | $323K | 2.4% | |
| BLACKROCK MID CAP EQUITY GREAT GRAY TRUST COMPANY · EIN 20-3802327 / PN 003 | Common Collective Trust | — | — | $302K | 2.2% | |
| COLUMBIA OVERSEAS VALUE GREAT GRAY TRUST COMPANY · EIN 38-4126285 / PN 589 | Common Collective Trust | — | — | $233K | 1.7% | |
| BLACKROCK EAFE EQUITY INDEX FUND GREAT GRAY TRUST COMPANY · EIN 20-3802495 / PN 007 | Common Collective Trust | — | $101K | $110K | 0.8% | |
| MYWAY RETIREMENT MID CAP GROWTH GREAT GRAY TRUST COMPANY · EIN 38-4139870 / PN 648 | Common Collective Trust | — | — | $100K | 0.7% | |
| [DFE: MYWAYRETIREMENT BALANCED FUND (extraction pending)] | — | — | — | $91K | 0.7% | |
| MYWAY RETIREMENT BALANCED FUND GREAT GRAY TRUST COMPANY · EIN 38-4139866 / PN 644 | Common Collective Trust | — | — | $91K | 0.7% | |
| MYWAY RETIREMENT REAL ESTATE GREAT GRAY TRUST COMPANY · EIN 38-7264530 / PN 693 | Common Collective Trust | — | — | $90K | 0.7% | |
| MYWAY RETIREMENT SMALL CAP VALUE GREAT GRAY TRUST COMPANY · EIN 85-3975085 / PN 651 | Common Collective Trust | — | — | $85K | 0.6% | |
| BLACKROCK US TIPS INDEX GREAT GRAY TRUST COMPANY · EIN 38-4116835 / PN 510 | Common Collective Trust | — | — | $78K | 0.6% | |
| MYWAY RETIREMENT INDEX RETIREMENT F GREAT GRAY TRUST COMPANY · EIN 38-4065298 / PN 382 | Common Collective Trust | — | — | $74K | 0.5% | |
| [DFE: MYWAYRETIREMENT INTERNATIONAL GROWTH FUND (extraction pending)] | — | — | — | $60K | 0.4% | |
| MYWAY RETIREMENT INTERNATIONAL GROW GREAT GRAY TRUST COMPANY · EIN 38-4139868 / PN 646 | Common Collective Trust | — | — | $60K | 0.4% | |
| MYWAY RETIREMENT MULTISECTOR BOND GREAT GRAY TRUST COMPANY · EIN 38-4139871 / PN 649 | Common Collective Trust | — | — | $57K | 0.4% | |
| MYWAY RETIREMENT MID CAP VALUE GREAT GRAY TRUST COMPANY · EIN 38-7264528 / PN 691 | Common Collective Trust | — | — | $51K | 0.4% | |
| [DFE: MYWAYRETIREMENT COMMODITIES FUND (extraction pending)] | — | — | — | $30K | 0.2% | |
| MYWAY RETIREMENT COMMODITIES FUND R GREAT GRAY TRUST COMPANY · EIN 38-7264532 / PN 695 | Common Collective Trust | — | — | $30K | 0.2% | |
| BLACKROCK US DEBT INDEX CI 1 CORE GREAT GRAY TRUST COMPANY · EIN 20-3802445 / PN 010 | Common Collective Trust | — | $5K | $5K | <0.1% | |
| MYWAY RETIREMENT GLOBAL BOND GREAT GRAY TRUST COMPANY · EIN 38-7264531 / PN 694 | Common Collective Trust | — | — | $2K | <0.1% | |
| MYWAY RETIREMENT INDEX 2065 FUND GREAT GRAY TRUST COMPANY · EIN 38-4139859 / PN 636 | Common Collective Trust | — | — | $2 | <0.1% |