The Cold Heading Company401(k)
THE STEVENS FAMILY 401(K) RETIREMENT PLAN · WARREN, MI · plan year 2023
Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works
The Cold Heading Company reported $178,553 in plan administrative expenses for 2023: 0.28% of average plan assets, higher than ~75% of peers. Employer contributions averaged $2,908 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.
Across the 3 years on file its reported administrative ratio fell from 0.26% to 0.21%. The plan sits in the $50M–$250M size bracket, benchmarked here against 9,317 comparable plans and shown alongside other manufacturing employers. By assets it is the 380th-largest of 2,619 plans among Michigan employers on file, and the 2,395th of 13,661 in manufacturing. In 2023, employees put in $5.30 for every $1.00 the employer contributed; active participation has shrunk from 2,167 to 542 since 2022.
The Cold Heading Company's 2023 employer contribution ran below the $3,659 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.
Annual cost at the plan's reported 2023 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.
Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.
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Source: U.S. Department of Labor, Form 5500 series, EIN 381418830 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.