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Original filing (PDF)20251006143613NAL0002146323001
CHERRY STREET SERVICES, INC.
Form 5500
FILING_RECEIVED
CHERRY HEALTH 403(B) RETIREMENT PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
710
Accounts w/ balance
891
Plan assets (EOY)
$42.5M
Net assets (EOY)
$42.5M
How this plan invests
This plan
78 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Participation health
100
Knocking points off
- 41 bps in Schedule C fees — modestly 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 CHERRY STREET SERVICES, INC..
Plan sponsor
Name
CHERRY STREET SERVICES, INC.
EIN
38-2853534
Address
100 CHERRY STREET SE · GRAND RAPIDS, MI · 49503
Phone
(616) 776-2124
Industry
Outpatient Care Centers· Health Care & Social Assistancesee 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
2025-10-06
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
YEO AND YEO
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | — | COLUMBUS, OH | CUSTODIAN | $100K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| IRON-CO-FID COMPREHENSIVE | 26-2409128 | — | INVESTMENT MANAGEMENT | $20K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| DOEREN MAYHEW ADVISORS | 99-4179178 | — | TPA | $49K | — |
| BEENE GARTER A DOEREN MAYNEW FIRM | — | GRAND RAPIDS, MI | TPA | $6K | — |
Investments
78 direct securities· $42.5M(100% of reported assets)
Uncategorized
$42.5M
77 holdings
Mutual Funds
$6K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| State Street State Street Balanced Index Fund Class K | — | — | — | $5.1M | 12.0% | |
| Nuveen Lifecycle Index 2035 Instl | — | — | — | $3.7M | 8.8% | |
| Nuveen Lifecycle Index 2030 Instl | — | — | — | $3.6M | 8.4% | |
| Nuveen Lifecycle Index 2040 Instl | — | — | — | $3.1M | 7.4% | |
| Nuveen Lifecycle Index 2045 Instl | — | — | — | $2.8M | 6.5% | |
| Vanguard Windsor Admiral | — | — | — | $2.5M | 5.9% | |
| Nuveen Lifecycle Index 2025 Instl | — | — | — | $2.3M | 5.3% | |
| Vanguard Total Stock Mkt Indx Fd | — | — | — | $1.9M | 4.4% | |
| Nuveen Lifecycle Index 2050 Instl | — | — | — | $1.6M | 3.9% | |
| Nationwide Geneva Small Cap Gr Instl | — | — | — | $1.6M | 3.8% | |
| Putnam Large Cap Gr Y | — | — | — | $1.4M | 3.3% | |
| Nuveen Lifecycle Index 2055 Instl | — | — | — | $1.2M | 2.9% | |
| Victory Capital Victory Sycamore Established Value I | — | — | — | $1.2M | 2.9% | |
| Fidelity Investments Fidelity 500 Index Fund | — | — | — | $1.1M | 2.7% | |
| Artisan Partners Funds Artisan International Value Instl | — | — | — | $976K | 2.3% | |
| Federated Hermes Federated Instl High Yield Bond Instl | — | — | — | $603K | 1.4% | |
| Participant loans Interest rates range from 5.25% to 10.50% -0- | — | — | — | $577K | 1.4% | |
| Nationwide Life Insurance Company Fixed contract | — | — | — | $546K | 1.3% | |
| Vanguard Target Retirement 2055 | — | — | — | $505K | 1.2% | |
| Nuveen Lifecycle Index 2060 Instl | — | — | — | $501K | 1.2% | |
| Baird Core Plus Bond Inst | — | — | — | $495K | 1.2% | |
| Federated Hermes Federated Government Obligs Premier | — | — | — | $493K | 1.2% | |
| Vanguard 500 Index Admiral | — | — | — | $398K | 0.9% | |
| Vanguard Target Retirement 2040 | — | — | — | $388K | 0.9% | |
| Nuveen Lifecycle Index 2020 Instl | — | — | — | $285K | 0.7% | |
| Charles Schwab Self-directed brokerage account | — | — | — | $278K | 0.7% | |
| T. Rowe Price T. Rowe Price Retirement 2060 | — | — | — | $253K | 0.6% | |
| BlackRock 80/20 Target Allocation Inst | — | — | — | $243K | 0.6% | |
| American Funds American Funds New World | — | — | — | $228K | 0.5% | |
| Vanguard Total Intl Stock Index Admiral | — | — | — | $225K | 0.5% | |
| Fidelity Investments Fidelity Inflation-Protected Bond Index F | — | — | — | $218K | 0.5% | |
| Vanguard Wlsly Income Admiral | — | — | — | $194K | 0.5% | |
| American Funds American Funds 2055 Trgt Date Retire | — | — | — | $164K | 0.4% | |
| Dimensional Fund Advisors DFA Intl Large Cap Gr | — | — | — | $140K | 0.3% | |
| Federated Hermes Federated Hermes Short-Int | — | — | — | $124K | 0.3% | |
| Vanguard Target Retirement 2050 | — | — | — | $116K | 0.3% | |
| Vanguard Target Retirement 2045 | — | — | — | $97K | 0.2% | |
| American Funds American Funds Smallcap World | — | — | — | $84K | 0.2% | |
| Cohen & Steers Cohen & Steers Real Estate Securities I | — | — | — | $81K | 0.2% | |
| Brown Advisory Brown Advisory Sustainable Growth | — | — | — | $79K | 0.2% | |
| Vanguard Mid Cap Growth Inv | — | — | — | $68K | 0.2% | |
| T. Rowe Price T. Rowe Price Blue Chip Growth | — | — | — | $68K | 0.2% | |
| Vanguard Target Retirement 2035 | — | — | — | $64K | 0.2% | |
| Vanguard Total Bond Market Index Adm | — | — | — | $55K | 0.1% | |
| Nuveen Lifecycle Index 2010 Instl | — | — | — | $49K | 0.1% | |
| Nationwide NYSE ArcTch100 Indx | — | — | — | $45K | 0.1% | |
| Nuveen Lifecycle Index Ret Inc Instl | — | — | — | $45K | 0.1% | |
| BlackRock Inflation Protected Bond | — | — | — | $42K | <0.1% | |
| Nuveen Lifecycle Index 2065 Instl | — | — | — | $42K | <0.1% | |
| Dimensional Fund Advisors DFA US Small Cap I | — | — | — | $40K | <0.1% | |
| Principal Funds Principal Mid Cap | — | — | — | $40K | <0.1% | |
| PIMCO International Bond Instl | — | — | — | $39K | <0.1% | |
| Vanguard Health Care Adm ** 6 Vanguard Information Technology Idx Adm | — | — | — | $37K | <0.1% | |
| Vanguard Emerging Mkts Stock Idx Adm | — | — | — | $36K | <0.1% | |
| Nuveen Lifecycle Index 2015 Instl | — | — | — | $35K | <0.1% | |
| Impax Asset Management Impax Sustainable Allocation | — | — | — | $33K | <0.1% | |
| Dimensional Fund Advisors DFA Intl Small Cap Val | — | — | — | $32K | <0.1% | |
| Vanguard Equity-Income Adm | — | — | — | $32K | <0.1% | |
| T. Rowe Price T. Rowe Price Spctrm Cnsrv Alloc ** 4 T. Rowe Price T. Rowe Price Comm & Tech Investor | — | — | — | $31K | <0.1% | |
| Vanguard Total Intl Bd Indx Admiral | — | — | — | $29K | <0.1% | |
| Fidelity Investments Fidelity Advisor Gold Fund | — | — | — | $28K | <0.1% | |
| Vanguard Target Retirement 2060 | — | — | — | $23K | <0.1% | |
| Principal Funds Principal Equity Income Inst | — | — | — | $23K | <0.1% | |
| Vanguard Short-Term Federal Adm | — | — | — | $20K | <0.1% | |
| Morgan Stanley Morgan Stanley Insight Fund Class I | — | — | — | $17K | <0.1% | |
| Calvert Research and Management Calvert International Equity FD | — | — | — | $13K | <0.1% | |
| Vanguard GNMA Adm | — | — | — | $12K | <0.1% | |
| PIMCO Real Return Instl | — | — | — | $11K | <0.1% | |
| Dimensional Fund Advisors DFA Intermediate Govt Fixed-Income I | — | — | — | $11K | <0.1% | |
| BlackRock Strategic Income Opps | — | — | — | $7K | <0.1% | |
| Macquarie Extended Duration Bond | — | — | — | $6K | <0.1% | |
| MassMutual Select Mid Cap Growth | — | — | — | $6K | <0.1% | |
| Fidelity Investments Fidelity Advisor Utilities | — | — | — | $6K | <0.1% | |
| American Century Investments American Century Global Gold I | Mutual Funds | — | — | $6K | <0.1% | |
| BlackRock Baron Oppr Inst | — | — | — | $5K | <0.1% | |
| Vanguard Target Retirement 2030 | — | — | — | $4K | <0.1% | |
| AQR Funds Aqr Lng Short Eq Fd I | — | — | — | $4K | <0.1% | |
| JPMorgan JPM Mortgage-Backed Securities | — | — | — | $4K | <0.1% |