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Original filing (PDF)20251001051805NAL0012821681001
ORCHARDS MI, LLC
Form 5500
FILING_RECEIVED
ORCHARDS MI, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
~750 bps in Sched C fees
Active participants
1,595
Accounts w/ balance
1,020
Plan assets (EOY)
$1.3M
Net assets (EOY)
$1.3M
How this plan invests
This plan
1 pooled trust
Schedule D
13 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Knocking points off
- 750 bps in Schedule C fees — 1342% above peer band of 52 bps.
- 64% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ORCHARDS MI, LLC.
Plan sponsor
Name
ORCHARDS MI, LLC
EIN
87-3042948
Address
19850 HARPER AVE · HARPER WOODS, MI · 48225
Phone
(734) 210-1560
Industry
Health Care & Social Assistancesee 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
2025-10-01
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
ALAN GOODMAN CPA PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $98K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAMBRIDGE INVESTMENT RESEARCH INC | — | SEWICKLEY, PA | ADVISOR | $0 | — |
Investments
12 direct securities · 1 pooled fund· $1.3M(96% 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.
Registered Investment Companies
$1.2M
12 holdings
Common Collective Trust
$20K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FIDELITY ADVISOR SM CAP VAL M 775 REGISTERED INVESTMENT COMPANY AMERCENT ONE CHOICE 2050 R | Registered Investment Companies | — | — | $200K | 15.3% | |
| AMERCENT ONE CHOICE 2035 R | Registered Investment Companies | — | — | $156K | 12.0% | |
| AMERCENT ONE CHOICE 2045 R | Registered Investment Companies | — | — | $156K | 12.0% | |
| AMERCENT ONE CHOICE 2025 R | Registered Investment Companies | — | — | $140K | 10.7% | |
| AMERCENT ONE CHOICE 2040 R | Registered Investment Companies | — | — | $133K | 10.2% | |
| AMERCENT ONE CHOICE 2030 R | Registered Investment Companies | — | — | $118K | 9.1% | |
| AMERCENT ONE CHOICE 2060 R | Registered Investment Companies | — | — | $112K | 8.6% | |
| JPMORGAN US EQUITY - R2 962 REGISTERED INVESTMENT COMPANY AMERCENT ONE CHOICE 2055 R | Registered Investment Companies | — | — | $106K | 8.2% | |
| AMERCENT ONE CHOICE RETIRE R | Registered Investment Companies | — | — | $102K | 7.8% | |
| INVESCO STABLE ASSET INVESCO TRUST COMPANY · EIN 27-3884161 / PN 001 | Common Collective Trust | — | — | $20K | 1.5% | |
| JPMORGAN MID CP VL - R2 15 REGISTERED INVESTMENT COMPANY NATIONWIDE S&P 500 INDEX - R | Registered Investment Companies | — | — | $7K | 0.5% | |
| NATIONWIDE SMALL CAP INDEX R | Registered Investment Companies | — | — | $1K | 0.1% | |
| NTW INTERNATIONAL INDEX R | Registered Investment Companies | — | — | $1K | 0.1% |
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