Retirement plan

CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DEFINED CONTRIBUTION PENSION PLAN

Name: TRUSTEES OF CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DC PENSION - CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DEFINED CONTRIBUTION PENSION PLAN (2025) Form 5500
Creator: TRUSTEES OF CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DC PENSION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DEFINED CONTRIBUTION PENSION PLAN, TRUSTEES OF CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DC PENSION

TRUSTEES OF CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DC PENSIONEIN 35-1833932Plan #001PY 2025

700 TOWER DRIVE, SUITE 300 - TROY, MI 48098248-813-9800

Prospect flagsLow returnsLow assets / participant

How to read this page

Total assets (EOY)

$1589.9M

+11.8% from 2024

Total participants

55,172

+50.1% from 2024

Average account balance

$28,816

-25.5% from 2024

Annual return

9.51%

-52.82 pp from 2024

Benchmarks

See 151 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants>=10,000

Cohort151 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$1.59B

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$29K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

55,172

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$141.60M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+9.51%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$88

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 10 of 12 by compensation

Provider	Service type	Compensation
JOHN HANCOCK LIFE INSURANCE COMPANY1 year Filed as: JOHN HANCOCK RETIREMENT PLAN SERV Service code 15 · EIN 01-0233346	Recordkeeping	$3,085,057
BENESYS, INC.1 year Filed as: BENESYS, INC Service code 13 · EIN 35-1833932	Contract Administrator	$607,930
MATRIX TRUST COMPANY4 years Service code 15 · EIN 75-3182674	Recordkeeping	$382,513
MORGAN STANLEY SMITH BARNEY1 year Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 27 · EIN 11-3658445	Advisory (Plan)	$175,000
REINHART BOERNER VAN DEUREN S.C.1 year Filed as: REINHART, BOERNER, VAN DEUREN Service code 29 · EIN 39-1126909	Legal	$158,384
JOHNSON & KROL, LLC6 years Filed as: JOHNSON & KROL LLC Service code 29 · EIN 36-4342024	Legal	$96,669
LEGACY PROFESSIONALS LLP1 year Service code 10 · EIN 32-0043599	Accounting	$85,688
L.M. HENDERSON & COMPANY, LLP10+ years Service code 10 · EIN 20-5520612	Accounting	$48,219
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN GRAPHICS PRINTING COMPANY Service code 36 · EIN 38-2090931	Direct payment from the plan; Copying...	$19,046
SHUMAKER, LOOP & KENDRICK, LLP1 year Service code 29 · EIN 34-4439491	Legal	$18,635

Plan features & details

Pension benefit codes2C2E2F2G

Plan features

2C
Money purchase plan
Money purchase pension plan other than a target benefit plan.
2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.

Opportunity flags

2 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$4.8M

$176 / participant

Recordkeeping$19K0.4%
Trustee / custodial$3M71.8%
Investment mgmt$175K3.6%
Legal$274K5.7%
Actuarial$9K0.2%
Other trustee fees$12K0.3%
Contract admin$569K11.8%
Other / not subdivided$304K6.3%

% of EOY assets

0.304%

all-in expense ratio

Categories reported

7 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: LEGACY PROFESSIONALS LLP
Auditor EIN: 320043599
Audit fees: $114,688
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$28,816

$166,271-82.7%

$107,187-73.1%

$166,271-82.7%

Participation rate

100.0%

79.1%+20.9pp

75.0%+25.0pp

79.1%+20.9pp

Annual return

9.51%

15.58%-6.1pp

204.55%-195.0pp

15.58%-6.1pp

Employer contribution / active EE

$5,159

$4,136+24.7%

$3,782+36.4%

$4,136+24.7%

Participant deferral / active EE

$7,214-100.0%

$5,096-100.0%

$7,214-100.0%

Admin fee / account holder

$88

$445-80.3%

$9,162-99.0%

$445-80.3%

Provider

Service type

Compensation

JOHN HANCOCK LIFE INSURANCE COMPANY1 year

Filed as: JOHN HANCOCK RETIREMENT PLAN SERV

Service code 15 · EIN 01-0233346

Recordkeeping

$3,085,057

BENESYS, INC.1 year

Filed as: BENESYS, INC

Service code 13 · EIN 35-1833932

Contract Administrator

$607,930

MATRIX TRUST COMPANY4 years

Service code 15 · EIN 75-3182674

Recordkeeping

$382,513

MORGAN STANLEY SMITH BARNEY1 year

Filed as: MORGAN STANLEY SMITH BARNEY LLC

Service code 27 · EIN 11-3658445

Advisory (Plan)

$175,000

REINHART BOERNER VAN DEUREN S.C.1 year

Filed as: REINHART, BOERNER, VAN DEUREN

Service code 29 · EIN 39-1126909

Legal

$158,384

JOHNSON & KROL, LLC6 years

Filed as: JOHNSON & KROL LLC

Service code 29 · EIN 36-4342024

Legal

$96,669

LEGACY PROFESSIONALS LLP1 year

Service code 10 · EIN 32-0043599

Accounting

$85,688

L.M. HENDERSON & COMPANY, LLP10+ years

Service code 10 · EIN 20-5520612

Accounting

$48,219

AMERICAN REALTY ADVISORS4 years

Filed as: AMERICAN GRAPHICS PRINTING COMPANY

Service code 36 · EIN 38-2090931

Direct payment from the plan; Copying...

$19,046

SHUMAKER, LOOP & KENDRICK, LLP1 year

Service code 29 · EIN 34-4439491

Legal

$18,635

CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DEFINED CONTRIBUTION PENSION PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CENTRAL MIDWEST REGIONAL COUNCIL OF CARPENTERS DEFINED CONTRIBUTION PENSION PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion