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Original filing (PDF)20251015161026NAL0010227906001
NORTHGATE
Form 5500
FILING_RECEIVED
NORTHGATE 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
~90 bps in Sched C fees
Active participants
192
Accounts w/ balance
209
Plan assets (EOY)
$7.0M
Net assets (EOY)
$7.0M
How this plan invests
This plan
29 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 90 bps in Schedule C fees — 73% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NORTHGATE.
Plan sponsor
Name
NORTHGATE
EIN
38-2503040
Address
G3367 CORUNNA RD · FLINT, MI · 48532
Phone
(810) 235-8110
Industry
Transportation & Warehousingsee 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
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)
Audit & trust (Schedule H)
Auditor
YEO & YEO, CPAS AND BUSINESS CONSUL
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA LIFE INSURANCE COMPANY | 39-0989781 | — | RECORDKEEPER | $31K | — |
| PENSION PLAN SERVICES, INC. - MI | 38-2154774 | — | RECORDKEEPER | $10K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OSAIC WEALTH, INC. | 93-0987232 | — | INVESTMENT ADVISORY - PLA | $22K | — |
Investments
3 direct securities · 29 pooled funds· $6.8M(98% 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.
Pooled Separate Account
$4.9M
29 holdings
Uncategorized
$1.9M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Charles Schwab Self-directed brokerage account | — | — | — | $1.1M | 16.1% | |
| TRANSAMERICARETONTRK 2035 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 692 | Pooled Separate Account | — | — | $941K | 13.5% | |
| TRANSAMERICARETONTRK 2025 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 690 | Pooled Separate Account | — | — | $774K | 11.1% | |
| TRANSAMERICARETONTRK 2040 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 693 | Pooled Separate Account | — | — | $751K | 10.8% | |
| Stable value fund * Transamerica Life Insurance Company Transamerica Stable Value Core Option | — | — | — | $732K | 10.5% | |
| TRANSAMERICARETONTRK 2045 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 694 | Pooled Separate Account | — | — | $511K | 7.3% | |
| JPMORGAN EQT INC RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 880 | Pooled Separate Account | — | — | $442K | 6.3% | |
| FIDELITY ADVISOR GROWTH OPPORTUNITI TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 202 | Pooled Separate Account | — | — | $360K | 5.2% | |
| TRANSAMERICARETONTRK 2030 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 691 | Pooled Separate Account | — | — | $156K | 2.2% | |
| FIDELITY ADVISOR TOTAL BOND RET OPT TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 204 | Pooled Separate Account | — | — | $145K | 2.1% | |
| AMERICAN FUNDS NEW PERSPECTIVE RET TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 828 | Pooled Separate Account | — | — | $102K | 1.5% | |
| STATE STREET RUSSELL SM CAP INDEX R TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 033 | Pooled Separate Account | — | — | $94K | 1.3% | |
| STATE STREET S&P MID CAP INDEX RET TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 036 | Pooled Separate Account | — | — | $93K | 1.3% | |
| TRANSAMERICARETONTRK 2060 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 821 | Pooled Separate Account | — | — | $82K | 1.2% | |
| TRANSAMERICARETONTRK 2055 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 696 | Pooled Separate Account | — | — | $80K | 1.1% | |
| TRANSAMERICARETONTRK 2020 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 689 | Pooled Separate Account | — | — | $50K | 0.7% | |
| Transamerica Life Insurance Company BlackRock Hi Yld Bd | — | — | — | $47K | 0.7% | |
| BLACKROCK HIGH YIELD PORTFOLIO RET TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 848 | Pooled Separate Account | — | — | $47K | 0.7% | |
| ALLSPRING SPECIAL SM CAP VAL RET OP TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 945 | Pooled Separate Account | — | — | $45K | 0.6% | |
| TA VANGUARD REIT INDEX RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 099 | Pooled Separate Account | — | — | $44K | 0.6% | |
| DFA INFLATION-PROTECTED SECURITIES TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 526 | Pooled Separate Account | — | — | $44K | 0.6% | |
| BLACKROCK HEALTH SCNCS OPPS RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 860 | Pooled Separate Account | — | — | $31K | 0.4% | |
| BLACKROCK MID-CAP GROWTH EQUITY RET TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 099 | Pooled Separate Account | — | — | $30K | 0.4% | |
| CLEARBRIDGE SM CAP GR RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 879 | Pooled Separate Account | — | — | $29K | 0.4% | |
| TRANSAMERICARETONTRK 2050 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 695 | Pooled Separate Account | — | — | $20K | 0.3% | |
| TA VANGUARD TOTAL STCK MRKT INDEX R TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 114 | Pooled Separate Account | — | — | $16K | 0.2% | |
| WESTERN ASSET CORE PLUS BD RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 915 | Pooled Separate Account | — | — | $16K | 0.2% | |
| HARTFORD SCHRODERS INTRNTL MLTCP VA TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 111 | Pooled Separate Account | — | — | $14K | 0.2% | |
| HARTFORD INTRNTL OPPS RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 946 | Pooled Separate Account | — | — | $11K | 0.2% | |
| AMERICAN FUNDS NEW WORLD RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 628 | Pooled Separate Account | — | — | $3K | <0.1% | |
| VIRTUS CEREDEX MD-CAP VAL EQT RET O TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 942 | Pooled Separate Account | — | — | $447 | <0.1% | |
| TRANSAMERICARETONTRK 2015 WITH AMER TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 688 | Pooled Separate Account | — | — | $0 | <0.1% |