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Original filing (PDF)20250918112227NAL0001346961001
TOWNE MORTGAGE COMPANY DBA AMERICU MORTGAGE, TOWNE MORTGAGE COMPANY
Form 5500
FILING_RECEIVED
TOWNE MORTGAGE COMPANY 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
259
Accounts w/ balance
298
Plan assets (EOY)
$16.6M
Net assets (EOY)
$16.6M
How this plan invests
This plan
15 pooled trusts
Schedule D
23 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
- 65 bps in Schedule C fees — 123% 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 TOWNE MORTGAGE COMPANY DBA AMERICU MORTGAGE, TOWNE MORTGAGE COMPANY.
Plan sponsor
Name
TOWNE MORTGAGE COMPANY DBA AMERICU MORTGAGE, TOWNE MORTGAGE COMPANY
EIN
38-2434249
Address
888 W. BIG BEAVER, STE 310 · TROY, MI · 48084
Phone
(248) 247-1800
Industry
Finance & Insurancesee 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
2025-09-18
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
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
MRPR GROUP, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPTRUST INVESTMENT ADVISORS | — | CLARKSTON, MI | INVESTMENT ADVISOR | $57K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MRPR GROUP, PC | 38-2141969 | — | AUDITOR | $9K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MILLIMAN, INC. | 91-0675641 | — | NONE | $41K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $0 | — |
Investments
8 direct securities · 15 pooled funds· $16.0M(96% 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
$15.1M
15 holdings
Uncategorized
$887K
8 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MODERATE MANAGED ACCT PORT MAP GREAT GRAY TRUST · EIN 46-3768480 / PN 182 | Common Collective Trust | — | — | $3.9M | 23.5% | |
| CONSERVATIVE MANAGED ACCT PORT MAP GREAT GRAY TRUST · EIN 46-3750663 / PN 181 | Common Collective Trust | — | — | $2.7M | 15.9% | |
| NT CIT S&P INDEX DC NL T4 NORTHERN TRUST · EIN 45-6138589 / PN 247 | Common Collective Trust | — | — | $2.1M | 12.4% | |
| GROWTH MANAGED ACCOUNT PORT MAP GREAT GRAY TRUST · EIN 46-3773972 / PN 183 | Common Collective Trust | — | — | $2.0M | 12.1% | |
| AGGRESSIVE MANAGED ACCT PORT MAP GREAT GRAY TRUST · EIN 46-3787800 / PN 184 | Common Collective Trust | — | — | $1.3M | 8.0% | |
| T. ROWE PRICE BLUE CHIP GRTH TR-T6 T. ROWE PRICE · EIN 80-0470272 / PN 004 | Common Collective Trust | — | — | $1.3M | 7.5% | |
| INCOME MANAGED ACCOUNT PORT MAP GREAT GRAY TRUST · EIN 46-3745190 / PN 180 | Common Collective Trust | — | — | $506K | 3.0% | |
| NT CIT EXTND MKT INDEX DC NL T4 NORTHERN TRUST · EIN 45-6138589 / PN 149 | Common Collective Trust | — | — | $397K | 2.4% | |
| MFS MID CAP GROWTH FUND CT GREAT GRAY TRUST · EIN 38-4126294 / PN 597 | Common Collective Trust | — | — | $259K | 1.6% | |
| PIMCO Income Fund | — | — | — | $232K | 1.4% | |
| MFS MID CAP VALUE FUND CT GREAT GRAY TRUST · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $215K | 1.3% | |
| RELIANCE NY LIFE ANCHOR SERIES 1 RELIANCE TRUST COMPANY · EIN 46-6350416 / PN 001 | Common Collective Trust | — | — | $173K | 1.0% | |
| GR GRAY EUROPACIFIC GWTH CT GREAT GRAY TRUST · EIN 38-7289843 / PN 001 | Common Collective Trust | — | — | $167K | 1.0% | |
| Dodge & Cox Dodge & Cox Intl Stock | — | — | — | $143K | 0.9% | |
| American Funds American Beacon Small Cap Value Fund | — | — | — | $128K | 0.8% | |
| Dodge & Cox Dodge & Cox Income Fund | — | — | — | $117K | 0.7% | |
| Vanguard Emerging Market Stock Index | — | — | — | $113K | 0.7% | |
| Principal Trust Company Principal Small Cap Growth | — | — | — | $111K | 0.7% | |
| NT CIT AGGREGATE BOND INDEX NL T4 NORTHERN TRUST · EIN 45-6138589 / PN 151 | Common Collective Trust | — | — | $110K | 0.7% | |
| MFS LARGE CAP VALUE CIT CLASS CT GREAT GRAY TRUST · EIN 38-7275332 / PN 781 | Common Collective Trust | — | — | $56K | 0.3% | |
| Brandywine Global Opportunity Fund | — | — | — | $29K | 0.2% | |
| Schwab Government Money Fund | — | — | — | $14K | <0.1% | |
| NT CIT ACWI EX US IMI DC NL T4 NORTHERN TRUST · EIN 45-6138589 / PN 204 | Common Collective Trust | — | — | $11K | <0.1% |