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Original filing (PDF)20251015073620NAL0002070499001
SPICER GROUP, INC.
Form 5500
FILING_RECEIVED
SPICER GROUP, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
305
Accounts w/ balance
340
Plan assets (EOY)
$54.1M
Net assets (EOY)
$54.1M
How this plan invests
This plan
1 pooled trust
Schedule D
30 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
- 31 bps in Schedule C fees — 91% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPICER GROUP, INC..
Plan sponsor
Name
SPICER GROUP, INC.
EIN
38-1612017
Address
230 SOUTH WASHINGTON AVENUE · SAGINAW, MI · 48607
Phone
(989) 754-4717
Industry
Engineering Services· 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
2A · Age/service weighted or new comparability
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
REHMANN ROBSON LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRI STAR TRUST BANK | — | MIDLAND, MI | ADVISOR | $118K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT TRUST COMPANY | 27-4411131 | — | TRUSTEE | $23K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT GROUP, INC. | 27-2037969 | — | RECORD-KEEPER | $24K | — |
Investments
29 direct securities · 1 pooled fund· $52.3M(97% 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
$43.9M
28 holdings
Mutual Funds
$8.4M
1 holding
Common Collective Trust
$70K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Growth Index Admiral Fund | Mutual Funds | — | — | $8.4M | 15.4% | |
| Vanguard 500 Index Admiral Fund | — | — | — | $7.6M | 14.0% | |
| Vanguard Equity-Income Admiral Fund | — | — | — | $6.6M | 12.3% | |
| American Funds Europacific Growth R6 Fund | — | — | — | $5.7M | 10.5% | |
| Vanguard Mid-Cap Growth Index Fund Admiral Fund | — | — | — | $3.4M | 6.3% | |
| Vanguard Mid Cap Value Index Fund Admiral Fund | — | — | — | $2.8M | 5.3% | |
| Vanguard Total Bond Market Index Admiral Fund | — | — | — | $2.3M | 4.3% | |
| Dodge & Cox Income Fund | — | — | — | $2.1M | 3.9% | |
| Vanguard Small-Cap Growth Index Fund Admiral Fund | — | — | — | $1.5M | 2.7% | |
| Vanguard Target Retirement 2060 Investor Fund | — | — | — | $1.4M | 2.6% | |
| Vanguard Target Retirement 2030 Investor Fund | — | — | — | $1.3M | 2.4% | |
| Vanguard Small-Cap Value Index Fund Admiral Fund | — | — | — | $1.3M | 2.3% | |
| Vanguard Target Retirement 2055 Investor Fund | — | — | — | $925K | 1.7% | |
| Dimensional Fund Advisors Real Estate Securities Portfolio Institutional Class | — | — | — | $878K | 1.6% | |
| Dimensional Fund Advisors International Small Company Portfolio Institutional Class | — | — | — | $851K | 1.6% | |
| Vanguard Target Retirement 2050 Investor Fund | — | — | — | $828K | 1.5% | |
| Vanguard GNMA Admiral Fund | — | — | — | $770K | 1.4% | |
| Principal Funds High Yield Institutional Class Fund | — | — | — | $723K | 1.3% | |
| PIMCO Foreign Bond (USD-Hedged) Institutional Fund | — | — | — | $678K | 1.3% | |
| Vanguard Target Retirement 2035 Investor Fund | — | — | — | $521K | 1.0% | |
| Vanguard Target Retirement 2040 Investor Fund | — | — | — | $442K | 0.8% | |
| Vanguard Target Retirement 2065 Investor Fund | — | — | — | $339K | 0.6% | |
| Vanguard Target Retirement 2045 Investor Fund | — | — | — | $336K | 0.6% | |
| Vanguard Star Fund Investor Fund | — | — | — | $208K | 0.4% | |
| American Funds International Growth and Income Fund | — | — | — | $201K | 0.4% | |
| Vanguard Inflation-Protected Securities Admiral Fund | — | — | — | $98K | 0.2% | |
| Vanguard Target Retirement 2025 Investor Fund | — | — | — | $97K | 0.2% | |
| GREAT GRAY CIT III FOR METLIFE GP. GREAT GRAY TRUST COMPANY · EIN 26-0142858 / PN 094 | Common Collective Trust | — | — | $70K | 0.1% | |
| Vanguard Target Retirement 2020 Investor Fund | — | — | — | $20K | <0.1% | |
| Vanguard Target Retirement Income Investor Fund | — | — | — | $2K | <0.1% |