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Original filing (PDF)20250715072356NAL0001783201001
WEST MICHIGAN DERMATOLOGY
Form 5500
FILING_RECEIVED
WEST MICHIGAN DERMATOLOGY RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
121
Accounts w/ balance
144
Plan assets (EOY)
$13.5M
Net assets (EOY)
$13.5M
How this plan invests
This plan
5 pooled trusts
Schedule D
41 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 39 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WEST MICHIGAN DERMATOLOGY.
Plan sponsor
Name
WEST MICHIGAN DERMATOLOGY
EIN
38-2561981
Address
3434 RIVERTOWN POINT COURT SW · GRANDVILLE, MI · 49418
Phone
(616) 257-3344
Industry
Offices of Physicians· 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
2025-07-15
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
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
HUNGERFORD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MG TRUST COMPANY, LLC | 73-3182674 | — | CUSTODIAL | $6K | — |
Recordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSERV PLAN SERVICES, INC. | — | COLUMBIA, SC | RECORDKEEPER | $8K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BLUEWATER ASSET MANAGEMENT | — | GRAND RAPIDS, MI | FINANCIAL ADVISOR | $39K | — |
Investments
37 direct securities · 5 pooled funds· $14.7M(100% 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
$12.6M
37 holdings
Common Collective Trust
$2.1M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Schwab PCRA Self Directed Brokerage Others | — | — | — | $3.1M | 22.9% | |
| Goldman Sachs Em Mkts Eq Insghts Intl Mutual Fund ** 741 Hartford Balanced Income R6 Mutual Fund | — | — | — | $1.3M | 9.7% | |
| CurrentValue | — | — | — | $1.3M | 9.7% | |
| Vanguard 500 Index Admiral Mutual Fund | — | — | — | $813K | 6.0% | |
| RELIANCE METLIFE GAC SERIES 25053 RELIANCE TRUST COMPANY · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $803K | 5.9% | |
| JPMorgan US Equity R6 Mutual Fund | — | — | — | $697K | 5.2% | |
| LARGE CAP GROWTH FUND III FEE CLASS GREAT GRAY TRUST COMPANY · EIN 38-7275327 / PN 001 | Common Collective Trust | — | — | $512K | 3.8% | |
| Pioneer Strategic Income K Mutual Fund | — | — | — | $459K | 3.4% | |
| Vanguard Small Cap Value Index Admiral Mutual Fund | — | — | — | $455K | 3.4% | |
| American Funds 2050 Trgt Date Retire R6 Mutual Fund | — | — | — | $451K | 3.3% | |
| LARGE CAP VALUE FUND CL R1 GREAT GRAY TRUST COMPANY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $432K | 3.2% | |
| Fidelity International Index Mutual Fund | — | — | — | $427K | 3.2% | |
| (e) | — | — | $278K | $424K | 3.1% | |
| Vanguard Wellesley Income Inv Mutual Fund | — | — | — | $424K | 3.1% | |
| SMALL CAP GROWTH FUND II FEE CLASS GREAT GRAY TRUST COMPANY · EIN 38-4126288 / PN 592 | Common Collective Trust | — | — | $369K | 2.7% | |
| MFS International Intrinsic Value R6 Mutual Fund | — | — | — | $294K | 2.2% | |
| Vanguard Mid Cap Index Admiral Mutual Fund | — | — | — | $278K | 2.1% | |
| Nuveen Small Cap Blend Idx R6 Mutual Fund | — | — | — | $267K | 2.0% | |
| American Funds 2040 Trgt Date Retire R6 Mutual Fund | — | — | — | $201K | 1.5% | |
| Vanguard Growth Index Admiral Mutual Fund | — | — | — | $189K | 1.4% | |
| Vanguard Total Bond Market Index Adm Mutual Fund | — | — | — | $181K | 1.3% | |
| American Funds 2030 Trgt Date Retire R6 Mutual Fund | — | — | — | $160K | 1.2% | |
| Hartford World Bond R6 Mutual Fund | — | — | — | $135K | 1.0% | |
| Cohen & Steers Instl Realty Shares Mutual Fund | — | — | — | $134K | 1.0% | |
| JPMorgan Mid Cap Growth R6 Mutual Fund | — | — | — | $123K | 0.9% | |
| Invesco Small Cap Equity R6 Mutual Fund | — | — | — | $107K | 0.8% | |
| Fidelity International Growth Mutual Fund | — | — | — | $87K | 0.6% | |
| Aristotle Floating Rate Income I Mutual Fund | — | — | — | $83K | 0.6% | |
| Vanguard Mid-Cap Value Index Admiral Mutual Fund | — | — | — | $80K | 0.6% | |
| PN 002 | — | — | $10K | $80K | 0.6% | |
| MFS Moderate Allocation R6 Mutual Fund | — | — | — | $79K | 0.6% | |
| Pioneer Bond K Mutual Fund | — | — | — | $56K | 0.4% | |
| Virtus Convertible Inst Mutual Fund | — | — | — | $44K | 0.3% | |
| Eaton Vance Income Fund of Boston R6 Mutual Fund | — | — | — | $44K | 0.3% | |
| Cash | — | — | — | $29K | 0.2% | |
| Invesco International Small-Mid Com R6 Mutual Fund | — | — | — | $25K | 0.2% | |
| American Funds New Perspective R6 Mutual Fund | — | — | — | $23K | 0.2% | |
| MFS Aggressive Growth Allocation R6 Mutual Fund | — | — | — | $21K | 0.2% | |
| 741 PN 002 | — | — | $25K | $21K | 0.2% | |
| PIMCO Real Return Instl Mutual Fund | — | — | — | $10K | <0.1% | |
| Parametric Commodity Strategy I Mutual Fund | — | — | — | $5K | <0.1% | |
| MID CAP GROWTH R1 GREAT GRAY TRUST COMPANY · EIN 38-4126247 / PN 549 | Common Collective Trust | — | — | $0 | <0.1% |