Filings through Oct 24, 2026.

Retirement plan

Michigan Surgery Specialists, P.C. 401(k) Plan and Trust

Name: MICHIGAN SURGERY SPECIALISTS, P.C. - MICHIGAN SURGERY SPECIALISTS, P.C. 401(K) PLAN AND TRUST (2025) Form 5500
Creator: MICHIGAN SURGERY SPECIALISTS, P.C.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MICHIGAN SURGERY SPECIALISTS, P.C. 401(K) PLAN AND TRUST, MICHIGAN SURGERY SPECIALISTS, P.C.

Michigan Surgery Specialists, P.C.EIN 38-1958736Plan #002PY 2025

THIRTEEN MILE ROAD, SUITE 112 - WARREN, MI 48093586-423-5100msspc.orgLinkedIn51-200 employeesmedical practice

Other plans on this EIN

1 filing

#001Retirement-$11.3M assets

Prospect flagsHigh feesFew collective trustsFund lineup: 6 funds, $11.1M

How to read this page

Total assets (EOY)

$11.3M

No prior year

Total participants

262

No prior year

Average account balance

$49,779

No prior year

Annual return

15.31%

No prior year

Benchmarks

See 6,152 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort6,152 peers

Snapshot2025

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Analytics

Less than 3 years of history available for this plan

We'll show a chart here once at least 3 consecutive filings are on record.

Service providers

Top 5 by compensation

Provider	Service type	Compensation
KESTRA FINANCIAL1+ years Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735	Advisory (Plan)	$24,229
EMPOWER ADVISORY GROUP, LLC1+ years Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$16,014
BARCLAY PLANNING GROUP1+ years Filed as: BARCLAY PLANNING GROUP, LLC Service code 13 345 DIVERSION ST STE 400 · ROCHESTER, MI 48307	Contract Administrator	$6,533
CBIZ INVESTMENT ADVISORY SERVICES1+ years Filed as: CBIZ BENEFITS & INS SERVICES INC Service code 13 PO BOX 632886 · CINCINNATI, OH 452632886	Contract Administrator	$3,659
EMPOWER ADVISORY GROUP, LLC1+ years Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$843

Fund lineup

CSV with Pro

6 funds of $250K or more; 32 lines in all, holding $11.1M of the plan's $11.3M. From the 2025 filing. Recordkeeper: Empower.

In collective trusts<1%median 0% for plans of $5M to $50M (40,338 plans)

In index funds11%median 22% for plans of $5M to $50M (40,338 plans)

In the main target-date series0%median 38% for plans of $5M to $50M (40,338 plans)

Employer stockNo

Fund	Manager	Vehicle	Dollars	% of funds%
My Retirement Path Moderate 2035 R Manager not matched · Other	Not yet matched	Other	$2.4M	21.1%
My Retirement Path Moderate 2045 R Manager not matched · Other	Not yet matched	Other	$2.0M	18.0%
My Retirement Path Moderate Retirement R Manager not matched · Other	Not yet matched	Other	$1.7M	15.6%
My Retirement Path Moderate 2055 R Manager not matched · Other	Not yet matched	Other	$1.2M	10.9%
Fidelity 500 Index Fund Fidelity (FMR) · Mutual fund Index	Fidelity (FMR)	Mutual fund	$866K	7.8%
Empower Unallocated contract - EI Fixed Account - Series Class IV Empower · Insurance contract Recordkeeper's own fund	Empower	Insurance contract	$391K	3.5%
Putnam Global Technology Fund Class R6 Shares Franklin Templeton · Mutual fund	Franklin Templeton	Mutual fund	$225K	2.0%
International Equity Fund Fee Class I1 Manager not matched · Mutual fund	Not yet matched	Mutual fund	$217K	1.9%
Emerging Markets Small Cap Portfolio - Institutional Class Dimensional · Mutual fund	Dimensional	Mutual fund	$212K	1.9%
Fidelity Mid Cap Index Fund Fidelity (FMR) · Mutual fund Index	Fidelity (FMR)	Mutual fund	$206K	1.9%

See the other 22 lines in this lineup with Pro.

Covers 71,097 large plans that list their funds in their annual filing. Updated Nov 3, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes2A2E2F2G2J2K2S2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$70K

$336 / participant

Recordkeeping$15K21.6%
Investment mgmt$45K63.9%
Contract admin$10K14.5%
Other / not subdivided$500.1%

% of EOY assets

0.622%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: PLANTE & MORAN, PLLC
Auditor EIN: 331498605
Audit fees: $0
Opinion code: Unqualified

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Provider

Service type

Compensation

KESTRA FINANCIAL1+ years

Filed as: KESTRA ADVISORY SERVICES LLC

Service code 27

5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735

Advisory (Plan)

$24,229

EMPOWER ADVISORY GROUP, LLC1+ years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY O

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$16,014

BARCLAY PLANNING GROUP1+ years

Filed as: BARCLAY PLANNING GROUP, LLC

Service code 13

345 DIVERSION ST STE 400 · ROCHESTER, MI 48307

Contract Administrator

$6,533

CBIZ INVESTMENT ADVISORY SERVICES1+ years

Filed as: CBIZ BENEFITS & INS SERVICES INC

Service code 13

PO BOX 632886 · CINCINNATI, OH 452632886

Contract Administrator

$3,659

EMPOWER ADVISORY GROUP, LLC1+ years

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$843

Fund

Dollars

% of funds%

My Retirement Path Moderate 2035 R

Manager not matched · Other

$2.4M

21.1%

My Retirement Path Moderate 2045 R

Manager not matched · Other

$2.0M

18.0%

My Retirement Path Moderate Retirement R

Manager not matched · Other

$1.7M

15.6%

My Retirement Path Moderate 2055 R

Manager not matched · Other

$1.2M

10.9%

Fidelity 500 Index Fund

Fidelity (FMR) · Mutual fund

Index

$866K

7.8%

Empower Unallocated contract - EI Fixed Account - Series Class IV

Empower · Insurance contract

Recordkeeper's own fund

$391K

3.5%

Putnam Global Technology Fund Class R6 Shares

Franklin Templeton · Mutual fund

$225K

2.0%

International Equity Fund Fee Class I1

Manager not matched · Mutual fund

$217K

1.9%

Emerging Markets Small Cap Portfolio - Institutional Class

Dimensional · Mutual fund

$212K

1.9%

Fidelity Mid Cap Index Fund

Fidelity (FMR) · Mutual fund

Index

$206K

1.9%

Michigan Surgery Specialists, P.C. 401(k) Plan and Trust

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Michigan Surgery Specialists, P.C. 401(k) Plan and Trust

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion