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Original filing (PDF)20251015103401NAL0009096898001
GRAMMER INC.
Form 5500
FILING_RECEIVED
GRAMMER COLLECTIVE BARGAINED RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~184 bps in Sched C fees
Active participants
188
Accounts w/ balance
138
Plan assets (EOY)
$6.0M
Net assets (EOY)
$6.0M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 184 bps in Schedule C fees — 254% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GRAMMER INC..
Plan sponsor
Name
GRAMMER INC.
EIN
41-1280872
Address
47912 HALYARD DR · PLYMOUTH, MI · 48170
Phone
(734) 904-2570
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
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)
Auditor
MEADEN AND MOORE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $28K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ INVESTMENT ADVISORY SERVICES L | — | CLEVELAND, OH | INVESTMENT ADVISOR | $17K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MEADEN & MOORE LTD | — | CLEVELAND, OH | AUDITOR | $32K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $33K | — |
Investments
27 direct securities· $6.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Mutual Fund N/A | — | — | — | $1.3M | 21.3% | |
| AB Large Cap Growth Z Mutual Fund N/A | — | — | — | $680K | 11.4% | |
| Vanguard Developed Markets Index Admiral Mutual Fund N/A | — | — | — | $644K | 10.7% | |
| Vanguard Total Bond Market Index Admiral Mutual Fund N/A | — | — | — | $586K | 9.8% | |
| Vanguard Small Cap Inex Fund-Admiral Mutual Fund N/A | — | — | — | $429K | 7.2% | |
| Dodge & Cox Income Fund Mutual Fund N/A | — | — | — | $350K | 5.8% | |
| American Funds American Balanced R6 Mutual Fund N/A | — | — | — | $267K | 4.5% | |
| Vanguard Mid Cap Index Adm Mutual Fund N/A | — | — | — | $249K | 4.2% | |
| Vanguard Inflation-Protected Secs Adm Mutual Fund N/A | — | — | — | $223K | 3.7% | |
| Vanguard Windsor II Fund-Admiral Mutual Fund N/A | — | — | — | $181K | 3.0% | |
| EI Fixed Account - Series Class II General Interest Account N/A | — | — | — | $173K | 2.9% | |
| T. Rowe Price Overseas Stock I Mutual Fund N/A | — | — | — | $162K | 2.7% | |
| Clearbridge Small Cap Growth IS Mutual Fund N/A 1 * Pimco Global Bond Opps (USD-Hedged) Inst Mutual Fund N/A | — | — | — | $147K | 2.4% | |
| Participant loans (Interest at 4.25% to 9.5%) N/A | — | — | — | $106K | 1.8% | |
| American Funds EuropPacific GR R6 Mutual Fund N/A | — | — | — | $105K | 1.8% | |
| JP Morgan Mid Cap Growth R6 Mutual Fund N/A | — | — | — | $100K | 1.7% | |
| Allspring Special Small Cap Value R6 Mutual Fund N/A | — | — | — | $90K | 1.5% | |
| Victory Sycamore Established Value I Mutual Fund N/A | — | — | — | $60K | 1.0% | |
| T. Rowe Price Retirement I 2035 I Mutual Fund N/A | — | — | — | $56K | 0.9% | |
| T. Rowe Price Retirement I 2025 I Mutual Fund N/A | — | — | — | $55K | 0.9% | |
| T. Rowe Price Retirement I 2045 I Mutual Fund N/A | — | — | — | $35K | 0.6% | |
| T. Rowe Price Retirement I 2020 I Mutual Fund N/A 781 * T. Rowe Price Retirement I 2030 I Mutual Fund N/A | — | — | — | $29K | 0.5% | |
| T. Rowe Price Retirement I 2040 I Mutual Fund N/A | — | — | — | $10K | 0.2% | |
| T. Rowe Price Retirement I 2050 I Mutual Fund N/A | — | — | — | $9K | 0.2% | |
| T. Rowe Price Retirement I 2060 I Mutual Fund N/A | — | — | — | $6K | 0.1% | |
| T. Rowe Price Retirement Balanced I Mutual Fund N/A | — | — | — | $4K | <0.1% | |
| T. Rowe Price Retirement I 2065 I Mutual Fund N/A | — | — | — | $4K | <0.1% |
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