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Original filing (PDF)20250925144455NAL0009304096001
FLAT RIVER GROUP
Form 5500
FILING_RECEIVED
FLAT RIVER GROUP 401(K) PLAN
401(k) retirement plan
Signals · 1
41% in single holding
Active participants
169
Accounts w/ balance
182
Plan assets (EOY)
$5.1M
Net assets (EOY)
$5.1M
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)
96
/ 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
79
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Vanguard Vanguard Total Stock Mkt IDX ADM" is 41% of plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FLAT RIVER GROUP.
Plan sponsor
Name
FLAT RIVER GROUP
EIN
45-1652604
Address
306 REED STREET · BELDING, MI · 48809
Phone
(616) 794-5496
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
2025-09-25
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)
Audit & trust (Schedule H)
Auditor
YEO & YEO
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HUMAN INTEREST ADVISOR LLC | 47-4307706 | SAN FRANCISCO, CA | RECORDKEEPER | $20K | — |
Investments
27 direct securities· $5.0M(99% of reported assets)
Uncategorized
$5.0M
26 holdings
Mutual Funds
$13K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Mkt IDX ADM | — | — | — | $2.1M | 41.0% | |
| Vanguard Total INTL Stock Index Admiral | — | — | — | $1.1M | 20.9% | |
| Vanguard Total Bond Market Index ADM | — | — | — | $507K | 10.0% | |
| Vanguard Real Estate Index Admiral | — | — | — | $355K | 7.0% | |
| Vanguard 500 Index Admiral | — | — | — | $267K | 5.3% | |
| Vanguard Total INTL BD IDX Admiral | — | — | — | $222K | 4.4% | |
| Vanguard Growth Index Admiral | — | — | — | $96K | 1.9% | |
| Participant loans Interest rates range from 4.25% to 9.50% -0- | — | — | — | $95K | 1.9% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $57K | 1.1% | |
| Vanguard Value Index ADM | — | — | — | $38K | 0.8% | |
| Vanguard Small Cap Index ADM | — | — | — | $31K | 0.6% | |
| Money market funds Banc of California (BANC) BANC Master Deposit Account | — | — | — | $28K | 0.6% | |
| Dimensional Fund Advisors (DFA) DFA International Core Equity I | — | — | — | $28K | 0.6% | |
| Dimensional Fund Advisors (DFA) DFA International Value I | — | — | — | $25K | 0.5% | |
| Vanguard Shrt-Term INFL-PORT SEC IDX ADM | — | — | — | $20K | 0.4% | |
| Vanguard Mid-Cap Growth Index Admiral | — | — | — | $20K | 0.4% | |
| Vanguard Small Cap Growth Index Admiral | — | — | — | $16K | 0.3% | |
| Vanguard Emerging Mkts Stock IDX ADM | — | — | — | $13K | 0.3% | |
| Dimensional Fund Advisors (DFA) DFA Emerging Markets Value I | Mutual Funds | — | — | $13K | 0.3% | |
| Dimensional Fund Advisors (DFA) DFA Global Real Estate Securities Port | — | — | — | $11K | 0.2% | |
| Vanguard IMid Cap Index Admiral | — | — | — | $11K | 0.2% | |
| Vanguard Mid-Cap Value Index Admiral | — | — | — | $8K | 0.2% | |
| Vanguard Developed Markets Index Admiral | — | — | — | $6K | 0.1% | |
| Vanguard FTSE Social Index Fund Admiral Shares | — | — | — | $6K | 0.1% | |
| Nuveen Securities, LLC. Nuveen Core Impact Bond Fund Retirement | — | — | — | $3K | <0.1% | |
| Vanguard Interim-Term Bond Index ADM | — | — | — | $2K | <0.1% | |
| Vanguard Shrt-Term Bond Index Admiral | — | — | — | $1K | <0.1% |
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