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Original filing (PDF)20260114082227NAL0017534579001
SECURITY POLICE FIRE PROFESSIONALS OF AMERICA
Form 5500
FILING_RECEIVED
SECURITY POLICE FIRE PROFESSIONALS OF AMERICA AND PARTICIPATING EMPLOYERS HEALTH AND WELFARE PLAN
Health & welfare plan
Signals · 3
~3581 bps in Sched C feesNo recordkeeper disclosed11 service providers
Active participants
3,490
Accounts w/ balance
—
Plan assets (EOY)
$14.8M
Net assets (EOY)
$8.9M
How this plan invests
This plan
17 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
65
Vendor stack
80
Participation health
100
Knocking points off
- 3581 bps in Schedule C fees — 12248% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SECURITY POLICE FIRE PROFESSIONALS OF AMERICA.
Plan sponsor
Name
SECURITY POLICE FIRE PROFESSIONALS OF AMERICA
EIN
38-1294556
Address
25510 KELLY RD. · ROSEVILLE, MI · 48066
Phone
(586) 772-7250
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-04-01
Tax period
2025-03-31
Filed
2026-01-14
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4E · Vision
4F · Temporary Disability (accident and sickness)
4H · Long-Term Disability
4Q · Other
4U · Dependent Care
Audit & trust (Schedule H)
Auditor
BDO USA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
11 rowsOther
11| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MUSGROVE ASSOCIATES | — | SALEM, VA | NONE | $2.5M | — |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | 38-2069753 | — | NONE | $1.8M | — |
| BDO USA, P.C. | 13-5381590 | — | NONE | $534K | — |
| ACRISURE MID-ATLANTIC PARTNERS INS. | 26-3554645 | — | NONE | $179K | — |
| COWDEN ASSOCIATES, INC. | 25-1750131 | — | NONE | $66K | — |
| GREGORY, MOORE, BROOKS, CLARK | 38-3093929 | — | NONE | $59K | — |
| SPFPA INTERNATIONAL UNION | 38-1294556 | — | NONE | $25K | — |
| VARNUM | 38-1294924 | — | NONE | $23K | — |
| MOONEY, GREEN, SAINDON, MURPHY | — | WASHINGTON, DC | NONE | $12K | — |
| WESTERN INTERNATIONAL SECURITIES | 84-1314321 | — | NONE | $9K | — |
| WELLS FARGO BANK, N.A. | — | MCLEAN, VA | NONE | $7K | — |
Investments
17 direct securities· $18.0M(100% of reported assets)
Uncategorized
$17.9M
16 holdings
Mutual Funds
$110K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity FIMM Treasury Only Portfolio Cl I | — | — | $4.0M | $4.0M | 26.7% | |
| Fidelity FIMM Treasury Only Portfolio Cl I | — | — | $3.0M | $3.0M | 20.4% | |
| Category (iii) - a Series of Transactions in Excess of the Current Value of 5% of Plan Assets** * Fidelity Government Cash Reserves Fd | — | — | $2.0M | $2.0M | 13.5% | |
| Fidelity Government Cash Reserves Fd | — | — | $1.9M | $1.9M | 12.8% | |
| Fidelity FIMM Treasury Only Portfolio Cl I | — | — | $1.0M | $1.0M | 6.8% | |
| Fidelity Government Cash Reserves Fd | — | — | $1.0M | $1.0M | 6.8% | |
| Fidelity FIMM Treasury Only Portfolio Cl I | — | — | $1.0M | $1.0M | 6.8% | |
| Fidelity Government Cash Reserves Fd | — | — | $1.0M | $1.0M | 6.8% | |
| Category (i) – Single Transactions in Excess of the Current Value of 5% of Plan Assets** * Fidelity FIMM Treasury Only Portfolio Cl I | — | — | $906K | $906K | 6.1% | |
| Fidelity Govt MMKT Premium Class | — | — | $906K | $906K | 6.1% | |
| U.S. Treasury Obligations United States Treas SER BL-2025 4.875% | — | — | $322K | $321K | 2.2% | |
| U.S. Treasury Obligations U.S. Treasury Obligations United States Treas SER BG-2025 5.000% | — | — | $322K | $321K | 2.2% | |
| Flagstar Bank National Association 5.35% 6/13/2025 | — | — | $235K | $235K | 1.6% | |
| Northeast Community Bank 4.15% 3/13/2026 | — | — | $235K | $235K | 1.6% | |
| s * Fidelity Government Cash Reserves Fd | Mutual Funds | — | $110K | $110K | 0.7% | |
| Certificates of Deposit Goldman Sachs Bank, USA 5.30% 6/11/2025 | — | — | $90K | $90K | 0.6% | |
| Fidelity Govt MMKT Premium Class | — | — | $8K | $8K | <0.1% |