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Original filing (PDF)20251014083100NAL0001126195001
QUALITY SPRING/TOGO
Form 5500
FILING_RECEIVED
QUALITY SPRING/TOGO, INC. HOURLY EMPLOYEES RETIREMENT PLAN
Defined-benefit pension plan
Signals · 2
100% in single holding~139 bps in Sched C fees
Active participants
0
Accounts w/ balance
—
Plan assets (EOY)
$5.4M
Net assets (EOY)
$5.4M
How this plan invests
This plan
1 pooled trust
Schedule D
1 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 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
75
Total plan cost
65
Vendor stack
100
Participation health
90
Knocking points off
- Top holding "[DFE: MODERATE MANAGED ACCOUNT PORTFOLIO (extraction pending)]" is 100% of plan.
- 139 bps in Schedule C fees — 167% above peer band of 52 bps.
- No active participants reported but plan still holds assets.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for QUALITY SPRING/TOGO.
Plan sponsor
Name
QUALITY SPRING/TOGO
EIN
38-2813160
Address
355 JAY ST · COLDWATER, MI · 490362176
Phone
(517) 278-2391
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
1B · Flat-dollar DB formula
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
WRUBEL, WESLEY & COMPANY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPTRUST FINANCIAL | — | CLARKSTON, MI | INVESTMENT ADVISOR | $29K | — |
| HOWARD & HOWARD, PLLC | — | ROYAL OAK, MI | LEGAL ADVISOR | $10K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WRUBEL, WESLEY & COMPANY, CPAS | 38-2574238 | TROY, MI | ACCOUNTANT | $12K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BARCLAY PLANNING GROUP | — | ROCHESTER, MI | SERVICE PROVIDER | $24K | — |
Investments
1 pooled fund· $3.4M(63% 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.
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MODERATE MANAGED AC PORT FREEDOM 40 WILMINGTON TRUST · EIN 46-3768480 / PN 182 | Common Collective Trust | — | — | $3.4M | 62.6% |