# Espec North America, INC. 401(k) Plan
Source: https://planprovider.pro/companies/espec-north-america-inc-401k-plan

> Espec North America, INC.'s 401(k) plan: 255 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Espec North America, INC.

- **Sponsor EIN:** 133183033

- **Sponsor Address:** 4141 CENTRAL PARKWAY, HUDSONVILLE, MI, 49426

- **Plan Type:** 401(k)

- **Total Participants:** 255

- **Total Assets:** $19.7M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** Yes

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

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

| 2024|255|$19.7M|$266,256|$1.3M|

| 2023|235|$17.4M|$265,918|$1.2M|

| 2022|234|$14.2M|$270,917|$1.1M|

## 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|

| EMPOWER ANNUITY INSURANCE COMPANY|RECORDKEEPER|$37,533|—|$37,533|

| ONEDIGITAL INVESTMENT ADVISORS LLC|INVESTMENT ADVISOR|$23,000|—|$23,000|

| ESPEC NORTH AMERICA INC|OTHER|$14,664|—|$14,664|

| RESOURCES INVESTMENT ADVISORS, LLC|INVESTMENT MGMT|$7,705|—|$7,705|

| CROWE LLP|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [ONEDIGITAL INVESTMENT ADVISORS LLC](https://planprovider.pro/provider/onedigital-investment-advisors-llc) — INVESTMENT ADVISOR

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $82,902

- **Estimated Expense Ratio:** 0.421% 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|$82,902|$30,705|—|—|—|

| 2023|$62,074|$31,281|—|—|—|

| 2022|$60,209|$30,219|$29,990|—|—|

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