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Original filing (PDF)20251013161244NAL0002406400001
W&P MANAGEMENT, LLC
Form 5500
FILING_RECEIVED
W&P MANAGEMENT PROFIT SHARING AND 401(K) PLAN
401(k) retirement plan
Active participants
486
Accounts w/ balance
372
Plan assets (EOY)
$29.0M
Net assets (EOY)
$29.0M
How this plan invests
This plan
3 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Participation health
100
Knocking points off
- 41 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for W&P MANAGEMENT, LLC.
Plan sponsor
Name
W&P MANAGEMENT, LLC
EIN
38-3639540
Address
46061 VAN DYKE · UTICA, MI · 483175375
Phone
(586) 884-5805
Industry
Admin Support & Waste Mgmtsee 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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
UHY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $45K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GREGORY J SCHWARTZ & COMPANY INC | — | BLOOMFIELD HILLS, MI | INVESTMENT ADVISOR | $50K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UHY LLP | — | HOUSTON, TX | AUDITOR | $18K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $5K | — |
Investments
28 direct securities · 3 pooled funds· $30.7M(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
$25.8M
28 holdings
Pooled Separate Account
$4.9M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Growth Fund of America | — | — | — | $3.6M | 12.5% | |
| Invesco Growth and Income Fund | — | — | — | $2.0M | 6.7% | |
| Franklin Templeton Small Cap Value Fund | — | — | — | $1.8M | 6.3% | |
| American Funds U.S. Government Securities Fund | — | — | — | $1.8M | 6.3% | |
| Capital Group Europacific Growth | — | — | — | $1.8M | 6.2% | |
| FUTUREFUNDS SERIES ACCOUNT II OF GW EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 84-0467907 / PN 003 | Pooled Separate Account | — | — | $1.8M | 6.2% | |
| T. ROWE US MID CAP GRW EQTY (IS PLT EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 848 | Pooled Separate Account | — | — | $1.7M | 5.9% | |
| Vanguard 500 Index Fund | — | — | — | $1.6M | 5.6% | |
| Party Identity of issuer, Description of investment, including in borrower, lessor maturity date, rate of interest, Current Interest or similar party collateral, par or maturity value AB Small Cap Growth Portfolio | — | — | — | $1.4M | 5.0% | |
| COLUMBIA DIVIDEND VALUE (IS PLATFOR EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 785 | Pooled Separate Account | — | — | $1.4M | 4.8% | |
| Columbia Mid Cap Value Fund | — | — | — | $1.3M | 4.3% | |
| TIAA Lifecycle Index 2045 Fund | — | — | — | $1.1M | 3.6% | |
| Vanguard Mid Cap Index Fund | — | — | — | $1.0M | 3.5% | |
| American Funds New Perspective Fund | — | — | — | $989K | 3.4% | |
| Columbia Total Return Bond | — | — | — | $867K | 3.0% | |
| American Funds New World | — | — | — | $816K | 2.8% | |
| TIAA Lifecycle Index 2030 Fund | — | — | — | $783K | 2.7% | |
| Vanguard Small Cap Index Fund | — | — | — | $776K | 2.7% | |
| Empower Annuity Insurance Company of America Guaranteed Portfolio Fund | — | — | — | $697K | 2.4% | |
| American Funds Balanced Fund | — | — | — | $651K | 2.2% | |
| TIAA Lifecycle Index 2025 Fund | — | — | — | $492K | 1.7% | |
| TIAA Lifecycle Index 2050 Fund | — | — | — | $479K | 1.7% | |
| TIAA Lifecycle Index 2060 Fund | — | — | — | $477K | 1.6% | |
| TIAA Lifecycle Index 2035 Fund | — | — | — | $414K | 1.4% | |
| TIAA Lifecycle Index 2040 Fund | — | — | — | $250K | 0.9% | |
| BlackRock Fund Advisors Ishares MSCI EAFE International Fund | — | — | — | $227K | 0.8% | |
| TIAA Lifecycle Index 2055 Fund | — | — | — | $186K | 0.6% | |
| TIAA Lifecycle Index Retirement | — | — | — | $160K | 0.6% | |
| TIAA Lifecycle Index 2020 Fund | — | — | — | $106K | 0.4% | |
| TIAA Lifecycle Index 2015 Fund | — | — | — | $26K | <0.1% | |
| TIAA Lifecycle Index 2010 Fund | — | — | — | $14K | <0.1% |