# Board Of Trustees, Bac Of Michigan Welfare Fund Health & Welfare Plan
Source: https://planprovider.pro/companies/board-of-trustees-bac-of-michigan-welfare-fund-382073681-501

> Board Of Trustees, Bac Of Michigan Welfare Fund's Health & Welfare plan: 1,623 participants, plan year 2024 financials, providers, and benchmarks from Form 5…

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Board Of Trustees, Bac Of Michigan Welfare Fund

- **Sponsor EIN:** 382073681

- **Sponsor Address:** 700 TOWER DRIVE, SUITE 215, TROY, MI, 48098

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 1,623

- **Total Assets:** $29.3M

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** No

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|1,623|$29.3M|$25.6M|$2.3M|

| 2023|1,575|$24.9M|$24.9M|$2.0M|

| 2022|1,544|$20.9M|$22.9M|$2.0M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| BLUE CROSS BLUE SHIELD OF MICHIGAN|Other Service Provider|$836,817|—|$836,817|

| BENESYS INC|Other Service Provider|$247,859|—|$247,859|

| STEFANSKY, HOLLOWAY, NICHOLS, INC|Other Service Provider|$188,249|—|$188,249|

| NOVARA TESIJA PLLC|Other Service Provider|$154,589|—|$154,589|

| LAURA SCOTT|Other Service Provider|$84,793|—|$84,793|

| BRENDA O'MALLEY|Other Service Provider|$70,742|—|$70,742|

| HEATHER LIGGET|Other Service Provider|$69,872|—|$69,872|

| STACEY LOVELACE|Other Service Provider|$68,778|—|$68,778|

| CALL A DOCTOR|Other Service Provider|$63,592|—|$63,592|

| ROWLA HAMIEL|Other Service Provider|$63,380|—|$63,380|

| AMERICAN GRAPHICS|Other Service Provider|$61,705|—|$61,705|

| JOCELYN PHILLIPS|Other Service Provider|$61,009|—|$61,009|

| CHRISTINA BLANKENSHIP|Other Service Provider|$52,685|—|$52,685|

| SALUS GROUP|Other Service Provider|$48,996|—|$48,996|

| QUADIENT FINANCE|Other Service Provider|$37,284|—|$37,284|

| BENDA, GRACE, STULZ & COMPANY PC|Other Service Provider|$28,100|—|$28,100|

| THE SEGAL GROUP|Other Service Provider|$10,026|—|$10,026|

| MORGAN STANLEY|Investment Advisor|$10,000|—|$10,000|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [MORGAN STANLEY](https://planprovider.pro/provider/morgan-stanley) — Investment Advisor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $2,158,476

- **Estimated Expense Ratio:** 7.365% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$2,263,984|—|$903,181|$28,100|—|

| 2023|$2,040,182|$1,891|$903,967|$27,200|—|

| 2022|$2,310,392|$15,886|$172,936|—|$662,827|

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