Original filing (PDF)20251003091025NAL0002997346001

MICHIGAN PALLET, INC.

Name: MICHIGAN PALLET, INC. — MICHIGAN PALLET, INC. 401(K) PLAN, Form 5500 (2024)
Creator: MICHIGAN PALLET, INC.

Form 5500

FILING_RECEIVED

MICHIGAN PALLET, INC. 401(K) PLAN

401(k) retirement plan

Signals · 1

~75 bps in Sched C fees

Active participants

155

Accounts w/ balance

111

Plan assets (EOY)

$6.2M

Net assets (EOY)

$6.2M

How this plan invests

This plan

2 pooled trusts

Schedule D

21 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

/ 100

Grade C

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MICHIGAN PALLET, INC..

Plan sponsor

Name

MICHIGAN PALLET, INC.

EIN

38-2904761

Address

1225 N SAGINAW ST · SAINT CHARLES, MI · 48655

Phone

(989) 865-9915

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

2025-10-03

Pension benefit codes

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

3H · Sponsor in controlled / affiliated group

Audit & trust (Schedule H)

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY O	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$22K	—
EMPOWER ADVISORY GROUP, LLC	—	GREENWOOD VILLAGE, CO	INVESTMENT MGMT	$458	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
VALMARK ADVISERS INC

Investments

21 direct securities · 2 pooled funds· $6.2M(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.

Other securities

$5.1M

21 holdings

Common Collective Trust

$1.1M

2 holdings

					% of plan
(continued) JP Morgan Large Cap Growth 16,824 shares	Other securities	—	$17K	$1.4M	22.6%
BLACKROCK EQUITY INDEX FUND R GREAT GRAY · EIN 20-3802168 / PN 001	Common Collective Trust	—	—	$752K	12.1%
American Funds Bond Fund of America 57,507 shares	Other securities	—	$58K	$641K	10.3%
American Funds Moderate Growth/Income 29,317 shares	Other securities	—	$29K	$531K	8.5%
American Funds 2035 Target Date Retirement Fund 24,920 shares	Other securities	—	$25K	$474K	7.6%
BLACKROCK EAFE EQUITY INDEX FEE CL GREAT GRAY · EIN 20-3802495 / PN 007	Common Collective Trust	—	$3K	$351K	5.6%
American Funds New Perspective 5,443 shares	Other securities	—	$5K	$338K	5.4%
American Funds 2045 Target Date Retirement Fund 14,769 shares	Other securities	—	$15K	$313K	5.0%
Empower Trust American Funds Washington Mutual Company, LLC 4,609 shares	Other securities	—	$5K	$284K	4.6%
American Funds 2040 Target Date Retirement Fund 8,504 shares	Other securities	—	$9K	$175K	2.8%
American Funds 2055 Target Date Retirement Fund 5,821 shares	Other securities	—	$6K	$154K	2.5%
Insurance Company Fidelity Mid Cap Index of America and 4,323 shares	Other securities	—	$4K	$146K	2.3%
American Funds 2050 Target Date Retirement Fund 5,811 shares	Other securities	—	$6K	$121K	1.9%
American Funds 2025 Target Date Retirement Fund 6,921 shares	Other securities	—	$7K	$105K	1.7%
American Funds 2060 Target Date Retirement Fund 5,736 shares	Other securities	—	$6K	$103K	1.7%
Fidelity US Bond Index 7,314 shares	Other securities	—	$7K	$75K	1.2%
Similar Party Par Or Maturity Value Cost Value * Empower Annuity Stable Value Fund Insurance Company EI Fixed Account - Series Class 1 of America and 68,601 shares	Other securities	—	$69K	$69K	1.1%
American Funds 2020 Target Date Retirement Fund 4,180 shares	Other securities	—	$4K	$56K	0.9%
Fidelity Small Cap Index 1,557 shares	Other securities	—	$2K	$43K	0.7%
American Funds 2030 Target Date Retirement Fund 1,587 shares	Other securities	—	$2K	$27K	0.4%
Fidelity Emerging Market Index 2,604 shares	Other securities	—	$3K	$27K	0.4%
American Funds 2065 Target Date Retirement Fund 1,186 shares	Other securities	—	$1K	$21K	0.3%
American Funds Growth and Income 28 shares 525 American Funds Conservative Growth and Income 998 shares	Other securities	—	—	$13K	0.2%