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Original filing (PDF)20250716131323NAL0001970307001
TRAM, INC.
Form 5500
FILING_RECEIVED
TRAM, INC. 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,403
Accounts w/ balance
1,664
Plan assets (EOY)
$148.7M
Net assets (EOY)
$148.7M
How this plan invests
This plan
3 pooled trusts
Schedule D
19 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (4 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TRAM, INC..
Plan sponsor
Name
TRAM, INC.
EIN
38-2674223
Address
47200 PORT STREET · PLYMOUTH, MI · 48170
Phone
(734) 254-8673
Industry
Manufacturingsee 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
2025-07-16
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PLANTE & MORAN, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CONCURRENT INVESTMENT ADVISORS, LLC | 92-1819393 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $63K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PLANTE & MORAN, PLLC | 33-1498605 | — | ACCOUNTANT | $0 | — |
Investments
16 direct securities · 3 pooled funds· $148.7M(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
$128.3M
16 holdings
Pooled Separate Account
$20.5M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| New York Life Insurance Company Group annuity contract - Guaranteed income fund | — | — | — | $25.4M | 17.1% | |
| Putnam Investment Management Company Putnam Large Capital Value R6 Fund | — | — | — | $18.1M | 12.2% | |
| JPMorgan Growth Advantage R4 Fund | — | — | — | $17.1M | 11.5% | |
| PRIN LGCAP S&P 500 INDEX SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $12.2M | 8.2% | |
| JPMorgan Core Bond R5 Fund | — | — | — | $7.8M | 5.3% | |
| Invesco Funds Group, Inc. Invesco Core Plus Bond Y Fund | — | — | — | $7.7M | 5.2% | |
| Fidelity Investments Fidelity International Small Cap Fund | — | — | — | $6.5M | 4.4% | |
| The American Funds American Funds EuroPacific Growth R4 Fund | — | — | — | $6.4M | 4.3% | |
| Calamos Funds Calamos International Growth I Fund | — | — | — | $6.1M | 4.1% | |
| Invesco Funds Group, Inc. Invesco Emerging Markets All Cap R5 Fund | — | — | — | $5.9M | 4.0% | |
| MFS Investment Management MFS Mid Cap Value R4 Fund | — | — | — | $4.8M | 3.2% | |
| Franklin Templeton Investments Franklin Small Cap Growth Adv Fund | — | — | — | $4.6M | 3.1% | |
| MFS Investment Management MFS New Discovery Value R4 Fund | — | — | — | $4.5M | 3.0% | |
| PRIN MIDCAP S&P 400 IDX SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $4.3M | 2.9% | |
| Baird MidCap Inv Fund | — | — | — | $4.2M | 2.8% | |
| Participants Participant notes receivable - Bearing interest at rates ranging from 4.25 to 9.50 percent - | — | — | — | $4.0M | 2.7% | |
| PRIN SMCAP S&P 600 INDEX SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $4.0M | 2.7% | |
| MassMutual Financial Group MassMutual Premier High Yield R5 Fund | — | — | — | $3.4M | 2.3% | |
| The American Funds American Funds American Balanced R4 Fund | — | — | — | $1.8M | 1.2% |