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Original filing (PDF)20250924144011NAL0003082515001
COMMUNITY ACTION AGENCY
Form 5500
FILING_RECEIVED
COMMUNITY ACTION AGENCY 403(B) RETIREMENT PLAN
403(b) retirement plan
Signals · 1
~91 bps in Sched C fees
Active participants
221
Accounts w/ balance
115
Plan assets (EOY)
$3.8M
Net assets (EOY)
$3.8M
How this plan invests
This plan
1 pooled trust
Schedule D
44 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
100
Participation health
80
Knocking points off
- 91 bps in Schedule C fees — 74% above peer band of 52 bps.
- 52% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COMMUNITY ACTION AGENCY.
Plan sponsor
Name
COMMUNITY ACTION AGENCY
EIN
38-1795659
Address
507 FIRST AVENUE NORTH · ESCANABA, MI · 498293931
Phone
(906) 786-7080
Industry
Other Services (ex. Public Admin)see 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
2025-09-24
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
HAWKINS ASH CPAS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WIPFLI LLP | 39-0758449 | — | RECORDKEEPER | $20K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING, LLC | 84-4519624 | — | INVESTMENT ADVISOR | $15K | — |
Investments
44 direct securities · 1 pooled fund· $4.2M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$3.8M
44 holdings
Pooled Separate Account
$416K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Mutual Fund N/A | — | — | — | $526K | 13.8% | |
| LINCOLN NATIONAL LIFE MULTIFUND LINCOLN NATIONAL LIFE INSURANCE COMPANY · EIN 35-0472300 / PN 000 | Pooled Separate Account | — | — | $416K | 10.9% | |
| Vanguard Developed Markets Index Fund Mutual Fund N/A | — | — | — | $323K | 8.5% | |
| Lincoln Financial Group Fixed Account Annuity Contract N/A | — | — | — | $299K | 7.8% | |
| Vanguard Mid-Cap Index Fund Mutual Fund N/A | — | — | — | $272K | 7.1% | |
| Vanguard Intermediate-Term Bond Index Fund Mutual Fund N/A | — | — | — | $169K | 4.4% | |
| Vanguard Real Estate Index Fund Mutual Fund N/A | — | — | — | $163K | 4.3% | |
| Avantis U.S. Equity Mutual Fund N/A | — | — | — | $163K | 4.3% | |
| Vanguard Emerging Markets Stock Index Fund Mutual Fund N/A | — | — | — | $157K | 4.1% | |
| Avantis Emerging Markets Equity Mutual Fund N/A | — | — | — | $156K | 4.1% | |
| Dodge & Cox Income Fund Class X Mutual Fund N/A | — | — | — | $151K | 4.0% | |
| American Funds Growth - Income Pooled Separate Account N/A | — | — | — | $143K | 3.8% | |
| DFA International Core Equity Portfolio Mutual Fund N/A | — | — | — | $130K | 3.4% | |
| Avantis U.S. Small Cap Value Mutual Fund N/A | — | — | — | $126K | 3.3% | |
| DFA Investment Grade Portfolio Mutual Fund N/A | — | — | — | $117K | 3.1% | |
| Avantis International Small Cap Value Mutual Fund N/A | — | — | — | $110K | 2.9% | |
| Vanguard Small-Cap Index Fund Mutual Fund N/A | — | — | — | $109K | 2.8% | |
| Vanguard Target Retirement 2050 Fund Mutual Fund N/A | — | — | — | $73K | 1.9% | |
| Vanguard Target Retirement 2030 Fund Mutual Fund N/A | — | — | — | $63K | 1.7% | |
| Vanguard Target Retirement 2035 Fund Mutual Fund N/A | — | — | — | $62K | 1.6% | |
| Fidelity VIP Contrafund Pooled Separate Account N/A | — | — | — | $57K | 1.5% | |
| DFA Inflation-Protected Securities Portfolio Mutual Fund N/A | — | — | — | $56K | 1.5% | |
| Vanguard Target Retirement 2060 Fund Mutual Fund N/A | — | — | — | $53K | 1.4% | |
| Vanguard Target Retirement 2055 Fund Mutual Fund N/A | — | — | — | $51K | 1.3% | |
| American Funds Growth Pooled Separate Account N/A | — | — | — | $34K | 0.9% | |
| Vanguard Federal Money Market Fund Mutual Fund N/A | — | — | — | $34K | 0.9% | |
| American Funds Global Growth Pooled Separate Account N/A | — | — | — | $32K | 0.8% | |
| LVIP Dimensional U.S. Core Equity Pooled Separate Account N/A | — | — | — | $30K | 0.8% | |
| Vanguard Target Retirement 2065 Fund Mutual Fund N/A | — | — | — | $21K | 0.6% | |
| LVIP Blended Large Cap Growth Pooled Separate Account N/A | — | — | — | $21K | 0.5% | |
| LVIP Delaware SMID Cap Core Series Pooled Separate Account N/A | — | — | — | $20K | 0.5% | |
| LVIP Baron Growth Opportunities Pooled Separate Account N/A | — | — | — | $15K | 0.4% | |
| LVIP Blackrock Dividend Value Pooled Separate Account N/A | — | — | — | $13K | 0.3% | |
| Fidelity VIP Growth Pooled Separate Account N/A | — | — | — | $11K | 0.3% | |
| Notes Receivable From Participants Interest rates range of 4.50% to 10.50% - | — | — | — | $9K | 0.2% | |
| LVIP Delaware U.S. REIT Pooled Separate Account N/A | — | — | — | $8K | 0.2% | |
| LVIP Delaware Mid Cap Value Fund Pooled Separate Account N/A | — | — | — | $7K | 0.2% | |
| LVIP Blackrock Inflation Protected Bond Pooled Separate Account N/A | — | — | — | $7K | 0.2% | |
| Vanguard Target Retirement 2045 Fund Mutual Fund N/A | — | — | — | $6K | 0.2% | |
| LVIP Franklin Templeton Multi-Factor Emerging Markets Equity Pooled Separate Account N/A | — | — | — | $5K | 0.1% | |
| Vanguard Target Retirement 2025 Fund Mutual Fund N/A | — | — | — | $4K | 0.1% | |
| AB VPS Sustain Global Thematic Growth Pooled Separate Account N/A | — | — | — | $3K | <0.1% | |
| MFS Utilities Pooled Separate Account N/A | — | — | — | $3K | <0.1% | |
| American Funds International Pooled Separate Account N/A | — | — | — | $2K | <0.1% | |
| LVIP Mondrian International Value Pooled Separate Account N/A | — | — | — | $2K | <0.1% |