Back to filter
Original filing (PDF)20251015154526NAL0002689107001
CHIPPEWA LUCE MACKINAC COMMUNITY ACTION HUMAN RESOURCE AUTHORITY INC.
Form 5500
FILING_RECEIVED
C-L-M COMMUNITY ACTION 403B RETIREMENT PLAN
401(k) retirement plan
Signals · 2
~89 bps in Sched C feesNo recordkeeper disclosed
Active participants
228
Accounts w/ balance
189
Plan assets (EOY)
$6.9M
Net assets (EOY)
$6.9M
How this plan invests
This plan
1 pooled trust
Schedule D
34 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
- 89 bps in Schedule C fees — 72% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CHIPPEWA LUCE MACKINAC COMMUNITY ACTION HUMAN RESOURCE AUTHORITY INC..
Plan sponsor
Name
CHIPPEWA LUCE MACKINAC COMMUNITY ACTION HUMAN RESOURCE AUTHORITY INC.
EIN
38-1798626
Address
524 ASHMUN ST · SAULT STE MARIE, MI · 49783
Phone
(906) 632-3363
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2L · 403(b)(1) annuity
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
DGN, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAccountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| REHMANN ROBSON LLC | 38-3635706 | — | AUDITOR | $27K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KERBERROSE WEALTH MGMT | 30-0793896 | — | NONE | $33K | — |
| AMERICAN UNITED LIFE INSURANCE CO | 35-0145825 | — | NONE | $2K | — |
Investments
34 direct securities · 1 pooled fund· $12.8M(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
$6.8M
34 holdings
Pooled Separate Account
$5.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AUL AMERICAN UNIT TRUST AMERICAN UNITED LIFE INSURANCE CO · EIN 35-0145825 / PN 000 | Pooled Separate Account | — | — | $5.9M | 86.1% | |
| American Funds | — | — | — | $1.2M | 17.7% | |
| Fidelity | — | — | — | $1.1M | 16.4% | |
| American United Life Insurance Company | — | — | $815K | $815K | 11.9% | |
| Prudential Financial | — | — | — | $712K | 10.4% | |
| Fidelity | — | — | — | $590K | 8.6% | |
| Fidelity | — | — | — | $332K | 4.8% | |
| American Funds | — | — | — | $264K | 3.8% | |
| Fidelity | — | — | — | $222K | 3.2% | |
| Vanguard | — | — | — | $222K | 3.2% | |
| Fidelity | — | — | — | $222K | 3.2% | |
| Fidelity | — | — | — | $192K | 2.8% | |
| American Funds | — | — | — | $148K | 2.2% | |
| Blackrock | — | — | — | $137K | 2.0% | |
| Notes receivable from Participants (Participant Loans) | — | — | — | $110K | 1.6% | |
| Fidelity | — | — | — | $75K | 1.1% | |
| Vanguard | — | — | — | $60K | 0.9% | |
| Fidelity | — | — | — | $55K | 0.8% | |
| T. Rowe Price | — | — | — | $49K | 0.7% | |
| Vanguard | — | — | — | $45K | 0.7% | |
| Fidelity | — | — | — | $30K | 0.4% | |
| Fidelity | — | — | — | $29K | 0.4% | |
| Vanguard | — | — | — | $27K | 0.4% | |
| Fidelity | — | — | — | $24K | 0.4% | |
| Fidelity | — | — | — | $24K | 0.3% | |
| Fidelity | — | — | — | $22K | 0.3% | |
| Fidelity | — | — | — | $21K | 0.3% | |
| Fidelity | — | — | — | $16K | 0.2% | |
| Fidelity | — | — | — | $15K | 0.2% | |
| Vanguard | — | — | — | $14K | 0.2% | |
| Vanguard | — | — | — | $14K | 0.2% | |
| Fidelity | — | — | — | $8K | 0.1% | |
| Janus Henderson | — | — | — | $6K | <0.1% | |
| Fidelity | — | — | — | $523 | <0.1% | |
| Fidelity | — | — | — | $217 | <0.1% |
Related plans
Similar-size Health Care & Social Assistance plans
GOOD SHEPHERD FOOD BANK OF MAINE
GOOD SHEPHERD FOOD BANK 403(B) PLAN
$6.9M · 104 participants
COACHELLA VALLEY HOUSING COALITION
EMPLOYEE BENEFIT PLAN OF COACHELLA VALLEY HOUSING COALITION
$6.9M · 46 participants
HOOSIER UPLANDS ECONOMIC DEVELOPMENT CORPORATION
HOOSIER UPLANDS ECONOMIC DEVELOPMENT CORPORATION 403(B) PLAN
$6.9M · 221 participants
HEALTH CARE FOUNDATION OF GREATER KC DBA HEALTH FORWARD FOUNDATION
HEALTH FORWARD FOUNDATION RETIREMENT PLAN
$6.9M · 37 participants
COMMUNITY ACTION PARTNERSHIP
403(B) THRIFT PLAN OF COMMUNITY ACTION PARTNERSHIP
$6.8M · 98 participants
CARRFOUR SUPPORTIVE HOUSING, INC.
CARRFOUR SUPPORTIVE HOUSING, INC. 401(K) PROFIT SHARING PLAN
$6.9M · 160 participants
Large plans in Michigan
GENERAL MOTORS LLC
GENERAL MOTORS HOURLY-RATE EMPLOYEES PENSION PLAN
$44.8B · 15,648 participants
GENERAL MOTORS LLC
GENERAL MOTORS SAVINGS PLAN MASTER TRUST
$32.4B
THE COMMITTEE OF THE UAW RETIREE MEDICAL BENEFITS TRUST
UAW GM RETIREES MEDICAL BENEFITS PLAN
$30.6B
FORD MOTOR COMPANY
FORD MOTOR COMPANY MASTER TRUST FUND
$29.5B
FORD MOTOR COMPANY
FORD DEFINED CONTRIBUTION PLANS MASTER TRUST
$25.3B
GENERAL MOTORS LLC
GENERAL MOTORS RETIREMENT SAVINGS PLAN FOR SALARIED EMPLOYEES IN THE UNITED STATES
$23.1B · 41,023 participants