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Original filing (PDF)20251007114659NAL0011423378001
SKYSPECS, INC.
Form 5500
FILING_RECEIVED
SKYSPECS 401(K) PLAN
401(k) retirement plan
Active participants
148
Accounts w/ balance
161
Plan assets (EOY)
$7.3M
Net assets (EOY)
$7.3M
How this plan invests
This plan
1 pooled trust
Schedule D
34 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
- 70 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SKYSPECS, INC..
Plan sponsor
Name
SKYSPECS, INC.
EIN
45-4982494
Address
312 SOUTH ASHLEY STREET · ANN ARBOR, MI · 48104
Phone
(586) 839-1304
Industry
Software Publishers· Information / Tech / Mediasee 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
2025-10-07
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PLANTE & MORAN, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $27K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SIGMA FINANCIAL CORP. | 38-2472555 | — | ADVISOR | $24K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $1K | — |
Investments
33 direct securities · 1 pooled fund· $7.3M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$7.3M
33 holdings
Common Collective Trust
$11K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom 2055 Fund | — | — | — | $1.4M | 19.8% | |
| Fidelity Freedom 2050 Fund | — | — | — | $1.4M | 19.0% | |
| Fidelity Freedom 2045 Fund | — | — | — | $1.2M | 17.0% | |
| Vanguard 500 Index Fund | — | — | — | $884K | 12.2% | |
| Fidelity Freedom 2060 Fund | — | — | — | $556K | 7.7% | |
| Fidelity Freedom 2040 Fund | — | — | — | $509K | 7.0% | |
| Fidelity Growth Discovery Fund | — | — | — | $161K | 2.2% | |
| Fidelity Freedom 2035 Fund | — | — | — | $150K | 2.1% | |
| Fidelity Freedom 2065 Fund | — | — | — | $108K | 1.5% | |
| Putnam Large Cap Value Fund | — | — | — | $95K | 1.3% | |
| Fidelity Freedom 2030 Fund | — | — | — | $87K | 1.2% | |
| Parnassus Value Equity Fund | — | — | — | $74K | 1.0% | |
| Boston Trust SMID Cap Fund | — | — | — | $74K | 1.0% | |
| BlackRock Sustainable Advantage Large Cap Core Fun | — | — | — | $73K | 1.0% | |
| Goldman Sachs International Equity ESG Fund | — | — | — | $67K | 0.9% | |
| 10.5 percent - | — | — | — | $65K | 0.9% | |
| Calvert International Responsible Index Fund | — | — | — | $47K | 0.7% | |
| Boston Walden Trust Small Cap Fund | — | — | — | $44K | 0.6% | |
| Vanguard Energy Index Fund | — | — | — | $30K | 0.4% | |
| DFA Emerging Markets Sustainability Core 1 Port | — | — | — | $29K | 0.4% | |
| Calvert Bond Fund | — | — | — | $25K | 0.3% | |
| Fidelity Calvert US Large Cap Growth Responsible Index Fund | — | — | — | $25K | 0.3% | |
| Fidelity Freedom 2025 Fund | — | — | — | $18K | 0.3% | |
| JPMorgan Core Plus Bond Fund | — | — | — | $18K | 0.3% | |
| MassMutual Small Opps I Fund | — | — | — | $13K | 0.2% | |
| STABLE VALUE FUND R1 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-2647786 / PN 000 | Common Collective Trust | — | — | $11K | 0.2% | |
| Thornburg Strategic Income Fund | — | — | — | $9K | 0.1% | |
| Trivent Mid Cap Stock Fund | — | — | — | $9K | 0.1% | |
| Fidelity Inflation-Protected Bond Index Fund | — | — | — | $8K | 0.1% | |
| Fidelity Emerging Markets Fund | — | — | — | $4K | <0.1% | |
| Allspring Short-Term Bond Plus Fund | — | — | — | $4K | <0.1% | |
| PGIM High Yield Fund * 901 Cohen & Steers Real Estate Securities Fund | — | — | — | $2K | <0.1% | |
| Calvert Short Duration Income Fund | — | — | — | $2K | <0.1% | |
| RBC BlueBay High Yield Bond Fund | — | — | — | $2K | <0.1% |
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