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Original filing (PDF)20250728145955NAL0000871155001
VQ, INC.
Form 5500
FILING_RECEIVED
TOMMY'S 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 2
~83 bps in Sched C feesNo recordkeeper disclosed
Active participants
487
Accounts w/ balance
529
Plan assets (EOY)
$11.5M
Net assets (EOY)
$11.5M
How this plan invests
This plan
2 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
65
Vendor stack
80
Participation health
100
Knocking points off
- 83 bps in Schedule C fees — 185% 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 VQ, INC..
Plan sponsor
Name
VQ, INC.
EIN
38-3388981
Address
648 S. POINT RIDGE · HOLLAND, MI · 49423
Phone
(616) 344-1266
Industry
Wholesale Tradesee 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
2025-07-28
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
DOEREN MAYHEW ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ROCKEFELLER CAPITAL MANAGEMENT | 82-3226180 | — | INVESTMENT ADVISORY | $22K | — |
| MERRILL LYNCH PIERCE FENNER & SMITH | 13-5674085 | — | CONSULTANT | $8K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $66K | — |
Investments
28 direct securities · 2 pooled funds· $12.8M(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
$10.9M
28 holdings
Pooled Separate Account
$1.9M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Global Investors Core Fixed Income Separate Account | — | — | — | $1.3M | 11.1% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $1.3M | 11.1% | |
| Vanguard Windsor II Adm Fund | — | — | — | $1.2M | 10.7% | |
| Principal Life Insurance Company Principal Fixed Income Guranteed Option Account, at contract value | — | — | — | $923K | 8.0% | |
| Fidelity NASDAQ Composite Index Fund | — | — | — | $762K | 6.6% | |
| PRIN BLUE CHIP SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 133 | Pooled Separate Account | — | — | $635K | 5.5% | |
| Fidelity 500 Index Fund | — | — | — | $598K | 5.2% | |
| American Funds New World R6 Fund | — | — | — | $586K | 5.1% | |
| Massachusetts Financial Service Co. International Equity R6 Fund | — | — | — | $585K | 5.1% | |
| Vanguard International Growth Admiral Fund | — | — | — | $580K | 5.0% | |
| Fidelity Total International Index Fund | — | — | — | $580K | 5.0% | |
| Vanguard Small Cap Index Admiral Fund | — | — | — | $432K | 3.8% | |
| Fidelity Mid Cap Index Fund | — | — | — | $426K | 3.7% | |
| Federated Investmennt Management Mid-Cap Growth R6 Fund | — | — | — | $407K | 3.5% | |
| American Century Small Cap Value R6 Fund | — | — | — | $397K | 3.5% | |
| Fidelity US Bond Index Fund 914 John Hancock Disciplined Value Mid Cap R6 Fund | — | — | — | $396K | 3.4% | |
| BlackRock Sustainable Advantage Large Cap Core K Fund | — | — | — | $395K | 3.4% | |
| Dimensional Fund Advisors Small Cap Growth IS Fund | — | — | — | $371K | 3.2% | |
| Vanguard Target Retirement 2055 Inv Fund | — | — | — | $178K | 1.6% | |
| Vanguard Target Retirement 2040 Inv Fund 431 Vanguard Target Retirement 2045 Inv Fund | — | — | — | $159K | 1.4% | |
| to 9.50% with various maturities through November 2029 | — | — | — | $133K | 1.2% | |
| Vanguard Target Retirement 2060 Inv Fund | — | — | — | $130K | 1.1% | |
| Vanguard Target Retirement 2070 Inv Fund | — | — | — | $91K | 0.8% | |
| Vanguard Target Retirement 2050 Inv Fund | — | — | — | $84K | 0.7% | |
| Vanguard Target Retirement 2035 Inv Fund | — | — | — | $47K | 0.4% | |
| Vanguard Target Retirement 2065 Inv Fund | — | — | — | $40K | 0.4% | |
| Vanguard Target Retirement 2025 Inv Fund 141 Vanguard Target Retirement 2030 Inv Fund | — | — | — | $32K | 0.3% | |
| (E) | — | — | $3K | $13K | 0.1% | |
| Lord Abbett Bond Debunture R6 Fund | — | — | — | $13K | 0.1% | |
| Cohen & Steers Real Estate Securities Z Fund | — | — | — | $3K | <0.1% |
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