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  2. COLE'S QUALITY FOODS, INC.
Sponsor portfolioTH

COLE'S QUALITY FOODS, INC.

EIN 38-1291439-food production-Latest filing 2025
Plans
7
Retirement
5
$22.6M assets
Welfare
2
$2.1M premiums
Participants
843
1188 LAKESHORE DR - MUSKEGON, MI 49441231-332-6983coles.comLinkedIn201-500 employeesfood production
Plans on this EIN
7 filings
#001TraditionalDB-$7.4M - 55 part#003401k-$6.8M - 61 part#002TraditionalDB-$3.7M - 94 part#004401k-$2.7M - 123 part#005401k-$2.0M - 101 part#501Mixed-$1.9M - 319 lives#502Mixed-$159K - 290 lives

Retirement portfolio analytics

5 plans aggregated / $22.6M assets / 434 participants

Assets by plan

Share of aggregate retirement assets

33%top
  • FOR NON-BARGAINING UNIT (#001)33%
  • INC. NON-BARGAINING 401(K) (#003)30%
  • A BARGAINING UNIT (#002)16%
  • INC. BARGAINING 401(K) (#004)12%
  • LIBERTY BARGAINING 401(K) (#005)9%
Total $22.6MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • INC. BARGAINING 401(K) (#004)123
  • LIBERTY BARGAINING 401(K) (#005)101
  • A BARGAINING UNIT (#002)94
  • INC. NON-BARGAINING 401(K) (#003)61
  • FOR NON-BARGAINING UNIT (#001)55
Total 434Click row to drill in

Benefits portfolio analytics

2 plans / $2.1M premiums / 609 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Health$1.7M
  • Prescription drug$1.7M
  • Other$158K
  • Life$103K
  • Short-term disability$103K
  • Long-term disability$103K
  • +1 more
Total $1.9M7 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
78%top
  • BLUE CARE NETWORK OF MICHIGAN78%
  • BLUE CROSS OF CALIFORNIA13%
  • UNUM LIFE INSURANCE COMPANY OF AMERICA8%
  • EYEMED VISION CARE1%
Total $1.9M4 slices

Broker market share

Schedule A broker compensation

Split broker
66%top
  • ROBERT L. HUGHES66%
  • ADVANTAGE BENEFITS GROUP28%
  • VOLUNTARY SOLUTIONS INC6%
Total $79K3 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#001

RETIREMENT PLAN OF COLE'S QUALITY FOODS, INC. FOR NON-BARGAINING UNIT

TraditionalDB

Assets$7.4M
Participants55
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#003

COLE'S QUALITY FOODS, INC. NON-BARGAINING 401(K)

401k

Assets$6.8M
Participants61
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

RETIREMENT PLAN OF COLE'S QUALITY FOODS, INC. FOR EMPLOYEES IN A BARGAINING UNIT

TraditionalDB

Assets$3.7M
Participants94
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#004

COLE'S QUALITY FOODS, INC. BARGAINING 401(K) PLAN

401k

Assets$2.7M
Participants123
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#005

COLE'S QUALITY FOODS, INC. NORTH LIBERTY BARGAINING 401(K) PLAN

401k

Assets$2.0M
Participants101
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#501

COLE'S QUALITY FOODS, INC.

Mixed - BLUE CARE NETWORK OF MICHIGAN

Premiums$1.9M
Covered lives319
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#502

COLE'S QUALITY FOODS, INC. BENEFIT PLAN

Mixed - UNUM LIFE INSURANCE COMPANY OF AMERICA

Premiums$159K
Covered lives290
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans5

Plan #NameTypeAssetsParticipantsLatest year
001RETIREMENT PLAN OF COLE'S QUALITY FOODS, INC. FOR NON-BARGAINING UNITTraditionalDB$7.4M552024
003COLE'S QUALITY FOODS, INC. NON-BARGAINING 401(K)401k$6.8M612025
002RETIREMENT PLAN OF COLE'S QUALITY FOODS, INC. FOR EMPLOYEES IN A BARGAINING UNITTraditionalDB$3.7M942024
004COLE'S QUALITY FOODS, INC. BARGAINING 401(K) PLAN401k$2.7M1232024
005COLE'S QUALITY FOODS, INC. NORTH LIBERTY BARGAINING 401(K) PLAN401k$2.0M1012024

Welfare plans2

Plan #NameFundingCarrierPremiumsCoveredLatest year
501COLE'S QUALITY FOODS, INC.MixedBLUE CARE NETWORK OF MICHIGAN$1.9M3192025
502COLE'S QUALITY FOODS, INC. BENEFIT PLANMixedUNUM LIFE INSURANCE COMPANY OF AMERICA$159K2902024
Retirement plans
Welfare plans
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