Plan Snapshot
- Plan Sponsor: Spalding Dedecker Associates, INC.
- Sponsor EIN: 381598901
- Sponsor Address: 905 SOUTH BOULEVARD EAST, ROCHESTER HILLS, MI, 48307
- Plan Type: 401(k)
- Plan Number: 001
- Total Participants: 194
- Total Assets: $16.4M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- 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. |
|---|---|---|---|---|
| 2025 | 194 | $16.4M | $0 | $0 |
| 2024 | 153 | $12.7M | $0 | $989,265 |
| 2023 | 119 | $12.2M | $0 | $751,605 |
| 2022 | 107 | $10.1M | $0 | $657,676 |
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 |
|---|---|---|---|---|
| ACEC RETIREMENT TRUST | Other Service Provider | $20,764 | — | $20,764 |
| COASTAL PENSION SERVICES | Recordkeeper | — | $5,000 | $5,000 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $25,764
- Estimated Expense Ratio: 0.157% 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 |
|---|---|---|---|---|---|
| 2025 | $340,556 | — | $26,021 | — | — |
| 2024 | $24,078 | — | $24,078 | — | — |
| 2023 | $20,402 | — | $20,402 | — | — |
| 2022 | $19,504 | — | $19,504 | — | — |