United States

Environmental Protection

Agency
Region V

230 South Dearborn

Chicago, Illinois 60604
June 1979
Water Division
Environmental      Draft
Impact Statement

Alternative Waste
Treatment System?
for Rural  Lake Pro} ;cts

Case Study Number 1
Crystal Lake Area
Sewage Disposal Authority
Benzie County, Michigan

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                 DRAFT ENVIRONMENTAL  IMPACT  STATEMENT
                  CRYSTAL LAKE  FACILITY PLANNING AREA
                        CRYSTAL LAKE,  MICHIGAN
                              Prepared by
             US Environmental Protection Agency,  Region V
Comments concerning this document  are  invited and should be received by
For further information, contact
Mr. Alfred Krause, Project Monitor
230 South Dearborn Street
Chicago, Illinois  60609
312/353-2157
                               Abstract

     A  201  Facility  Plan was  prepared for  the Crystal Lake  Facility
Planning  Area.   The  Facility  Plan  concluded  that extensive  sewering
would be  required  to  correct malfunctioning on-site wastewater disposal
systems and to protect water quality.

     Concern about the high proposed costs of the Facility Plan Proposed
Action prompted  re-examination  of  the  Study Area and led to preparation
of  this EIS.   This EIS  concludes that  existing  wastewater  treatment
plants  in the  area should  be  replaced,  but  complete abandonment  of
on-site  systems  is unjustified.   An  alternative  to the Facility  Plan
Proposed Action  has therefore been presented and is recommended by this
Agency.

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                          VOLUME I

              DRAFT ENVIRONMENTAL IMPACT STATEMENT

ALTERNATIVE WASTEWATER TREATMENT SYSTEMS FOR RURAL LAKE PROJECTS

 CASE STUDY NO. 1:  CRYSTAL LAKE AREA SEWAGE DISPOSAL AUTHORITY

                   BENZIE COUNTY, MICHIGAN




                       Prepared by the




          UNITED STATES ENVIRONMENTAL PROTECTION AGENCY

                 REGION V, CHICAGO, ILLINOIS
                            AND
                     WAPORA, INCORPORATED
                       WASHINGTON, D.C.
                                    Approved by:
                                      ihn McGuire
                                       ional Administrator
                                       S. Environmental Protection Agency
                                     une, 1979
                                             U.S. Environmental Protection 4«ency
                                             Region 5, Library (5PL-16)
                                             230 S. Dearborn Street, Rooa 1670
                                             Chicago,  IL   60604

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                            LIST OF PREPARERS

     This Environmental  Impact  Statement was  prepared by  WAPORA,  Inc.
under the guidance  of  Alfred Krause,  EPA Region V Project Officer.   Key
personnel for WAPORA included:

     WAPORA, Inc.
     6900 Wisconsin Avenue
     Chevy Chase, MD  20015
          Michael Goldman, P.E.     -  Project Manager
          Winston Lung, P.E.       -  Water Quality Modeler
          Gerald Peters            -  Project Director
          Dennis Sebian            -  Project Engineer

     In addition, several subcontractors and others assisted in prepara-
tion of  this  document.   These,  along with their areas of expertise, are
listed below:

Aerial Survey
     Environmental Photographic Interpretation Center
     Vint Hill Farms Station
     Warrenton, VA
          Barry Evans

Septic Leachate Analysis
     K-V Associates
     Falmouth, MA
          William Kerfoot

Engineering
     Arthur Beard Engineers
     6900 Wisconsin Avenue
     Chevy Chase, MD  20015
          David Wohlscheid, P.E.

Financial
     Kearney Associates
     699 Prince Street
     Alexandra, VA  22313
          Charles Saunders

Soils Interpretation
     Soil Conservation Service
     Traverse City, MI
          Richard Larson

Sanitary Survey
     University of Michigan Biological Station
     Pellston, MI
          Mark Paddock

Water Quality Study
     Crystal Lake Property Owners Association
     Crystal Lake, MI
          Fred Tanis

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                                SUMMARY
CONCLUSIONS

     Most  on-site systems  around Crystal  Lake and  in the Village  of
Benzonia are operating satisfactorily.  Approximately 90 effluent plumes
entering Crystal  Lake  and a few surface malfunctions have  been identi-
fied.  Periodic  backup of  sewage  in the systems  also  occurs.   On-site
systems  do  not appear  to be a significant  contributor  of  nutrients  to
Crystal  Lake  -- of  the total  input  of phosphorus,  6.7% or less  comes
from effluent  plumes.   Where plumes  do emerge, however, they  appear  to
be supporting localized growths of Cladophora, a green alga.

     The only improvement in Crystal Lake water quality likely to result
from the Facility Plan  Proposed  Action or  any of  the  EIS  alternatives
would  be the  possible  reduction  in  number and  density   of  localized
growths  of  Cladophora  along the shoreline.   This could occur if on-site
systems  along  the   shoreline  were  abandoned  and  cluster systems  or
centralized sewers  used.  No  alternative  is expected  to  affect either
adversely or  beneficially the  water quality of the main body of Crystal
Lake through the year 2000.

     Future development  in  the Crystal Lake  watershed is  primarily  a
function of how many new  lots can be developed and the density of future
development.  Alternatives that rely on continued use of on-site systems
would restrict both the number of new lots and their density as compared
to extensive  sewering  around the lake.  One effect of these limitations
would be to preserve the present character of the community.

     There  are large differences  in the present  worth and user  costs
among the alternatives.  Both costs increase in direct proportion to the
extent of new  centralized sewers provided.   In the more expensive alter-
natives,  high local user charges would result  in  substantial  displace-
ment pressure for the permanent population  and pressure for conversion
of seasonal residences  to permanent use.   Proportionate improvements in
water quality would not occur.

     The  recommended action in  this EIS is the Limited Action Alter-
native.  The  alternative  would provide:

     o    construction  of  new  sewers  and  a  new  rotating biological
          contactor   (RBC)   treatment  plant  to  serve  Frankfort  and
          Elberta;

     o    sewer  system  evaluation  surveys  and  rehabilitation of  the
          existing sewers in Frankfort and Elberta;

     o    design  and implementation of a small waste  flow  district for
          the  rest of the Study Area;

     o    site-specific  environmental and engineering arilyses of exist-
          ing on-site  systems  in the  unsewered  parts  of  the Proposed
          Service Area;

                                    ii

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     o    repair and  replacement  of  on-site  systems  as required;  and

     o    cluster systems or other  off-site  treatment  for the northeast
          and southeast shorelines.

The recommended  action will result  in an improvement in water  quality
similar to any  of  the  other alternatives.  Its present  worth,  however,
is  only  about  a third, and  its tentative  local  costs one  sixteenth,
those of the Facility Plan Proposed Action.

     If the action recommended  by the  EIS were accepted at the State and
local levels, it would be equivalent to a revised Facility Plan Proposed
Action.  EPA would  recommend  that  Step II  and  Step III  construction
grants for Frankfort and Elberta be made independently  of  action taken
in the remainder of the Study Area.

     With  respect  to the rest of  the Study Area,  State and  local con-
currence with  the  Recommended Alternative  in the  EIS would  imply that
three  additional  steps would be taken with  respect  to formation of  a
small waste flow district.   As  part of the Step I process,  the applicant
would:

     o    certify that  the  project  will be constructed and an operation
          and maintenance program established  to meet  local,  State, and
          Federal  requirements   including those protecting present  or
          potential underground potable water sources.

     o    obtain assurance (such as an easement or  covenant running with
          the land) of unlimited access to each individual system at all
          reasonable times  for such purposes as inspection, monitoring,
          construction,  maintenance,   operation,   rehabilitation,  and
          replacement.   An  option would  satisfy this  requirement if it
          could  be  exercised no  later than the initiation  of construc-
          tion.

     o    establish a  comprehensive program for regulation and  inspec-
          tion  of  individual  systems  before EPA approves the  plans and
          specifications.  Planning for this comprehensive program would
          be completed  as part  of the facility plan.   The program would
          include,  as a minimum,  periodic testing of water from existing
          potable water wells  in the area.  Where  a  substantial number
          of on-site systems exist, appropriate additional monitoring of
          the aquifer(s) would be provided.

     Following  completion  of these steps,  the Applicant  could  proceed
with  Step  II design  of facilities  for the small waste  flows district.

HISTORY

     In November 1976,  the  Crystal  Lake Area Sewage Disposal Authority,
consisting  of  Benzonia and  Crystal  Lake  Townships,  prepared  a  201
Facility Plan  for  wastewater disposal.   The Authority also represented
the City  of Frankfort,  the Villages of  Elberta, Beulah,  and Benzonia,
and Lake Township,  all located in Benzie County, Michigan.   At the time,
                                   ill

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the  City  of  Frankfort  and the  Village  of  Elberta  had  already been
sewered and were  operating their own sewerage facilities.   The  Proposed
Service Area  in  the Facility Plan included all the jurisdictions  above.
The  Village   of  Beulah,   although  included in  the Facility Plan  Study
Area,  was not   finally  incorporated  into the  Proposed  Service  Area.

     With  respect to wastewater treatment and  collection  facilities  in
the  Study Area  the  Facility  Plan  reached  the  following  conclusions:

     o    Continued  use  of the existing septic  tank  systems would lead
          to  continued deterioration of water quality.

     o    Capacity  at the Beulah treatment facility would  be sufficient
          through the year 1998 and that adequate treatment levels could
          be  attained provided:

          1)   excessive infiltration and inflow were removed

          2)   additional  flood  irrigation area  were  available,  if  re-
               quired

     o    Upgrading  and/or  expansion  of  the  treatment  facilities  at
          Frankfort  and  Elberta  was   infeasible  and those  facilities
          should be  abandoned.

     o    Collection and  centralized treatment of all wastewaters  in  the
          Proposed  Service Area would be necessary.

EIS ISSUES

Cost Effectiveness

     Capital  cost  of the  Proposed  Action  was  estimated  to  be  $18.4
million.  In  terms  of total net present worth these costs  were judged to
be  high.  In  addition, since approximately 80% of the project cost would
be  for collection,  examination  of alternatives  to conventional gravity
sewers  would  have been desirable.  The Facility Plan rejected continued
use of  septic  systems,  particularly  along  the  shorelines of Crystal
Lake.

Water  Quality

     Two  earlier  studies  of the water quality in Crystal Lake documented
the presence  of localized growth  of  aquatic  vegetation near the  shore-
line.   Neither the  studies nor the Facility Plan quantified the probable
impacts of sewers upon water quality.

     With respect to Betsie Lake, the  Facility  Plan estimated  that  the
phosphorus  load  would  decrease  by  approximately  40%  if  sewers  were
constructed.   However,   the  Plan did  not  describe the  relationship
between such  a  reduction and eutrophication  of  the lake.   In addition,
the new, and perhaps larger discharges  of  effluent  that  would  follow
population growth were not considered.
                                    IV

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Economic  Impact
     The estimated user charge  for  the Facility Plan Proposed Action was
$175 per  year for each  residence  or  residential equivalent in the new
sewer service  area  around Crystal  Lake.   This   charge  would  amount to
1.9% of the average  annual  income  of  the permanent residents.  Crystal
Lake service area homeowners  would  pay an initial $1500  for  stub fee and
connection charge.  In addition, there  would be  an additional homeowner
cost for  installation  of a  house sewer connecting individual household
plumbing with the public  sewer.

     These  sewerage  costs  could encourage  seasonal  and  fixed income
residents to  sell their properties or  to convert from seasonal use to
permanent residency.

Induced  Growth and  Secondary  Impacts

     While  the  high  costs  of  wastewater collection  might force some
current residents  to move,  the  availability  of  sewers  in the Crystal
Lake watershed  would  make  possible  construction of  new dwellings in
greater number and in  higher  densities  than  is presently  feasible.  The
potential for  significant  future development is indicated by the sub-
stantial  number  of undeveloped  platted  shoreline, second tier and sub-
division lots in the  watershed.

     The  rate and type of development supported  by a  central sewer sys-
tem could have undesirable impacts.  In  particular, housing  construction
on  steep  slopes  could  accelerate  soil erosion  which,  in turn, would
increase  inputs   of  nutrients  to  Crystal Lake or  Betsie  Lake.   In
addition, the  density and type  of future development  feasible with a
central sewer system  could be considerably different from  that presently
typical of the Crystal Lake  area.
ENVIRONMENT

Soils

     In general, soils on  sites  set back from Crystal  Lake  are  suitable
for on-site disposal of  wastewater.   Steep slopes  are  the major limita-
tion of such soils.

     Opinions differ on  the  suitability  of soils on shoreline sites  for
on-site disposal  of wastewater.   The  Tri-County  Health Department  has
evaluated such  sites and determined that over half the vacant  lots  are
suitable  for  septic systems.  The  Soil  Conservation  Service considers
excessive permeability  to be  a  limitation to  on-site systems.  Thus,
soils acceptable to one  agency may be rejected by  the other.   However,
the difference  alone does  not  account for the large discrepancy between
the two  sets  of soils data.   One  explanation may be  that  the  seasonal
high water  table  may not  be  so high  as  was  suggested to SCS  in their
surveying.

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Surface  Water Resources

     Crystal Lake,  the  centerpiece  of  the Study Area,  occupies approxi-
mately  15  square miles;  its  primary tributary  is  Cold Creek.  Betsie
Lake occupies  approximately 0.4  square  miles.   Its  primary  tributary is
the Betsie River and it is itself tributary to  Lake  Michigan.

     The hydrology of the lakes directly affects their  quality.  Crystal
Lake,  despite   a  retention time  greater  than  60  years,  is  generally
clean,  clear  and oligotrophic.   At a  distance from the shoreline, the
Lake has  shown little  change  in productivity in  10 years.   Conversely,
Betsie  Lake,  with  a retention time of  2 days, is  eutrophic.  For both
lakes, phosphorus has been identified as the limiting nutrient.

Groundwater  Resources

     Groundwater  serves as  the   source  of drinking water  for Beulah,
Elberta and  Frankfort.   Water supplies  in the  remainder of the Study
Area  consist   of  individual  and  small  community wells.    Water  is
generally plentiful  and of good  quality, although hard.  A  1969 survey
of 165 wells around Crystal Lake indicated no contamination  by  indicator
bacteria; nitrates were generally present at concentrations  ranging from
0-2 mg/1.  The  concentration of nitrate in 2 wells exceeded  the Drinking
Water Standard  of 10 mg/1.

Additional Studies

     Because of the scarcity  of  recent  data,  three additional studies
were performed  in connection with this  EIS.

     1)   An  aerial survey  was   performed  by  the  Environmental Photo-
          graphic  Interpretation  Center  (EPIC)  during the  summer of
          1978.   Few surface  malfunctions of  on-site sewage disposal
          systems were  found,  but foliage may have hidden  from  view some
          failing  systems.  The  densest  growths  of   submerged aquatic
          vegetation  were  found  along  the  northeastern  and eastern
          shores.

     2)   A sanitary survey was  conducted by the University of Michigan
          during  September and October of  1978.  The  results  indicated
          that  over half  the  lakeshore  on-site  systems were  violating
          the  sanitary  code.  Few of the systems, however, had  recurring
          problems  with  backups  or ponding.   Heavy  shoreline  algal
          growth was associated with about 10% of the sites.

     3)   A  study  of  septic  leachate  intrusion  into  Crystal  Lake was
          performed  during  November  1978.   Approximately 90  septic
          systems were  determined to be leaching into  the Lake.  Growth
          of  submerged  vegetation  was   correlated with  effluent dis-
          charge.
                                    vi

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     An analysis of the additional  data provided by these studies indi-
cates that septic tank effluents  contribute to the growth of algae along
the  lakeshore.   Malfunctions  generally  consist of  backups  of sewage
rather than surface ponding.   Groundwater data are inconclusive.  Of the
problems  with  backups, most  relate to  inadequate  maintenance, rather
than  insufficient  soil absorptive  capacity.   In addition,  it was esti-
mated on  the  basis of computer  models that 6.7% or  less  of the total
phosphorus loading  to Crystal Lake was  contributed  by septic  systems.

Existing Population and Land Use

     Approximately 60% of the  Proposed Service  Area population  consists
of  seasonal  residents, located  primarily  in the unsewered  areas sur-
rounding  Crystal  Lake.   The  permanent  resident  population,   located
throughout the  Proposed Service  Area,  is  characterized by a  relatively
low  income that  is  below  the  average  income for  all  of Michigan.
Retirement age population,  often  consisting of persons on fixed  incomes,
makes up  17%  of  the  Service  Area's population.  The  proportion of the
Service Area's  retirement age  population is  more than twice the propor-
tion for the State of Michigan.

     Land  use  in the  Service  Area  consists  of:   three  small urban
centers  (Frankfort,  Elberta,  and  Benzonia);  permanent  and  seasonal
single  family  residences;  agricultural areas devoted  to row crops and
orchards;  and  open  land  consisting  of  woodlands,  wetlands, and sand
dunes.  The aesthetic appeal  of the  area  has  resulted in substantial
residential development around Crystal Lake.  Most commercial areas are
located in the village centers and  along major highways.

ALTERNATIVES

     Based upon  the  high  cost of conventional  technology and questions
concerning the  eligibility of  the  new sewers for Federal funding, 7 new
alternatives were  evaluated  in this  EIS  along with  the  Facility Plan
Proposed Action.  These alternatives incorporated alternative  collection
systems  (pressure  sewers),  treatment  techniques   (land   application),
individual and  multi-family septic  systems  (cluster systems), and water
conservation.

Limited  Action Alternative

     New treatment plant  serving  Frankfort and Elberta,  upgraded and new
sewers  for Frankfort  and  Elberta.   Cluster systems  for  the northeast
shore of  Crystal Lake and  the Benzonia  Village shoreline.   Repair and
rehabilitation of  on-site systems  throughout the remainder of the Study
Area.

EIS Alternative 1

     Same  as Facility Plan Proposed Action,  except that pressure sewers
would be substituted for  gravity  sewers.
                                   vii

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EIS  Alternative 2

     Same as EIS  Alternative  1,  except  that land application of waste-
water would be substituted for RBC treatment.

EIS  Alternative 3

     Frankfort, Elberta,  and  the southwest shore would discharge their
wastes  to a  new RBC  plant  in  Frankfort.   Wastewaters  from Benzonia
Township  and Benzonia  Village would be  treated by land application.
Collection of wastewater by pressure sewers  from  the  northeast shore and
treatment by land application.  The remainder of  the  Study Area would be
served by a  combination of cluster systems  and on-site systems suitable
to local conditions.

EIS  Alternative 4

     Same as EIS  Alternative  3,  except  that land application of waste-
water would be substituted for RBC treatment.

EIS  Alternative 5

     The  same  decentralized treatment as  in  EIS Alternative 3.  Flows
from  other  parts of  the Study Area, the  northeast  shore and from the
Crystalia-Pilgrim area  would  be  treated at a  new RBC plant located in
Frankfort.

EIS  Alternative 6

     Same  as  EIS  Alternative  5,  except that wastewater  from  the
Crystalia-Pilgrim area  would  be  treated by rehabilitated on-site sys-
tems.   Extensive  use of cluster  systems  assumed to  be  unnecessary in
contrast to EIS Alternatives 3, 4, and 5.

     Project costs were most directly related  to  the  extent of sewering.
No cost advantage would  obtain for pressure sewers.

I mp 1 ement a t. i on

     Local  jurisdictions  have the  legal  and financial  capability to
implement  small  waste  flow districts.   Although the concept of public
management  of  septic systems  has not been legally tested in Michigan,
present  sanitary codes  have  been interpreted as authorizing such man-
agement  by  local governments.   Some,  but   not many  local jurisdictions
have  experience  in  the organization and operation of small waste flows
districts.   California  and  Illinois  provide some  specific examples.
                                   viii

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IMPACTS OF THE  ALTERNATIVES

     Five major categories of  impacts  were  relevant  in  the  selection of
an alternative.   These categories  included:   surface  water;  groundwater;
environmentally sensitive  areas;  population  and land  use; and  socio-
economics.

Surface Water

     None of the wastewater management  alternatives  would have  signifi-
cant impact on the  trophic  status of Crystal Lake in terms of  the  open
water  quality,   which  would   continue  to  be  good.   The  problem of
Cladophora growth in  shoreline areas,  however,  would remain unless the
shoreline homes .are  sewered.

     Betsie Lake is expected to benefit significantly from all the EIS
alternatives,  as  well as the  Facility Plan Proposed Action, with  sub-
stantially     reduced phosphorus  input  to  the lake.  Total phosphorus
concentration in  the  lake would  decrease  from the  present level  as  a
result of any of  the alternatives  except the No  Action Alternative.  The
classification of Betsie Lake as eutrophic will  not change although  some
reduction in aquatic plant growth  is likely.

Groundwater

     No significant primary or secondary impacts  on  groundwater quanity
are anticipated either as a result of the short-term  construction  activ-
ities or long-term  operation of any of the various  alternatives.   This
is mainly because all of the water quantities  associated with the  alter-
native are almost miniscule in  comparison with the estimated groundwater
storage,  recharge  from  all other  sources,  and  available  groundwater
yield.

     No significant short-term impacts  on groundwater quality  are anti-
cipated to result from  the  construction activities of any of the  alter-
natives.   Conclusions with  respect  to long-term  groundwater quality
impacts are as follows:

     o    Impacts on bacterial quality  are  expected  to  be insignificant
          for all alternatives.

     o    Continued  use of septic  tank/soil  absorption  systems  (ST/SAS)
          particularly  on the  northeastern  lake  shore may result in
          minor impacts  associated with shoreline  algal  growths.

     o    No significant  impacts  on nitrate  concentrations  are antici-
          pated providing the density of ST/SASs complies with  generally
          accepted standards.   Only  the  No  Action Alternative  is  likely
          to result  in significant adverse impacts.
                                    ix

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Environmentally Sensitive Areas

     Any  of  the  alternatives  may  allow  development on  steep  slopes
around Crystal  Lake.   This would result in erosion,  sedimentation, and
transfer  of  nutrients to  the  lake.   The Facility Plan Proposed Action
and EIS  Alternatives  1  and  2 might  have  a somewhat greater impact in
this respect  than would  the  Limited  Action or EIS Alternatives 3, 4, 5
or 6.

Population  and Land Use

     It  is  estimated  that the  centralized alternatives  would permit a
19% increase above standard population projections  for the  Service Area.
The Limited and No Action Alternatives would result in population growth
7%  below standard  projections  while EIS  Alternatives  3,  4, 5,  and 6
would  generate population growth 4% above the  standard  projections.

     Acreage  in residential  use would increase 77% (No Action Alterna-
tive)   to 88% (centralized alternatives) of land available.  The provi-
sion of  sewers would allow the present demand for  land development along
the Crystal Lake shoreline to be met.  The  decentralized, No Action, and
Limited  Action  alternatives  would increase the value of existing resi-
dential property by restricting the amount  of additional land that could
be developed.  Centralized facilities might result  in  increased develop-
ment pressure.  The No  Action,  Limited Action,  and decentralized alter-
natives would tend to maintain existing community  character.

Economic Impacts

     Annual  user  charges  are much  higher for  the  centralized alter-
natives   than  the  decentralized alternatives   with respect  to  the
currently unsewered portion of  the  Study  Area.   User  charges  for the
centralized  alternatives  are somewhat  lower  in Frankfort  and Elberta.
The centralized alternatives place  a significant  financial burden and
displacement  pressure on  housholds  in the  unsewered areas.   Only the
Limited  Action  Alternative and  EIS  Alternatives  5 and  6 are not high-
cost  for  the  unsewered   area.   None  of   the  alternatives have  been
identified as a high-cost project with respect  to Frankfort and Elberta.
Significant financial burden and displacement pressure are  much lower in
Frankfort and Elberta  as  compared to the remainder of the  Service Area.

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                               CONTENTS
                                                                        Page
List of Preparers 	 i
Summary 	 ii
List of Tables 	 xv
List of Figures 	 xvii
Symbols and Abbreviations 	 	 xix


                   I - INTRODUCTION, BACKGROUND AND ISSUES                1

A.  Project Description and History 	   1

    1.   Location 	   1
    2.   History of the Construction Grant Application 	   1
    3.   The Crystal Lake Area Facility Plan 	   4

B.  Issues of This EIS 	  15

    1.   Cost Effectiveness	  15
    2.   Impacts on Water Quality 	  15
    3.   Economic Impact 	  16
    4.   Induced Growth and Secondary Impacts 	  16

C.  National Perspective on the Rural Sewering Problem 	  16

    1.   Socioeconomics 	  17
    2.   Secondary Impacts 	  19
    3.   The Need for Management of Decentralized Alternative Systems  ..  19

D.  Purpose and Approach of the EIS and Criteria for Evaluation of
    Alternatives 	  21

    1.   Purpose 	  21
    2.   Approach 	  21
    3.   Major Criteria for Evaluation of Alternatives 	  23
                         II - ENVIRONMENTAL SETTING                      25

Introduction 	  25

A.  Physical Environment 	  26

    1.  Physiography 	  26
    2.  Geology 	  27
    3.  Soils 	  31
    4.  Atmosphere 	  37
                                      XI

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B.  Water Resources	   41

    1.   Water Quality Management 	   41
    2.   Groundwater Use 	   46
    3.   Groundwater Hydrology 	   47
    4.   Groundwater Quality	   49
    5.   Surface Water Hydrology 	   52
    6.   Surface Water Use and Classification 	   56
    7.   Surface Water Quality 	   56
    8.   Flood Hazard Areas 	   64

C.  Existing Systems 	   66

    1.   Summary of Data on Existing Systems 	   66
    2.   Types of Systems 	   68
    3.   Compliance with the Sanitary Code 	   71
    4.   Problems Caused by Existing On-Site Systems 	   72

D.  Biotic Resources 	   78

    1.   Aquatic Biology 	   78
    2.   Wetlands	   81
    3.   Terrestrial Biology	   81
    4.   Threatened or Endangered Species 	   83

E.  Population and Socioeconomics 	   84

    1.   Population	   84
    2.   Characteristics of the Population:   Employment and Income 	   87
    3.   Housing 	   88
    4.   Land Use 	   90
    5.   Archaeological and Historical Resources 	   96
                             III - ALTERNATIVES                          97

A.  Introduction  	   97

    1.  General Approach  	   97
    2.  Comparability of Alternatives:  Design Population 	   99
    3.  Comparability of Alternatives:  Flow and Waste Load
        Projections  	   99

B.  Components and Options  	   99

    1.  Flow and  Waste Reduction 	   99
    2.  Collection 	  103
    3.  Wastewater Treatment 	  106
    4.  Flexibility  	  110
    5.  Reliability  	  112
    6.  Effluent  Disposal  	  115
    7.  Sludge Handling and Disposal  	  116


                                     xii

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                                                                        Page

C.   EIS Alternatives	 117

    1.   Introduction 	 117
    2.   Alternatives	 123
    3.   Flexibility 	 133
    4.   Costs of Alternatives	 136
    5.   Engineering and Economic Analysis of Flow Reduction Devices  ... 137

D.   Implementation 	 138

    1.   Centralized Districts 	 138
    2.   Small Waste Flow Districts 	 140


                                IV - IMPACTS                            145

A.   Surface Water 	 145

    1.   Primary Impacts 	 145
    2.   Secondary Impacts:  Non-Point Source Nutrient Loads 	 152
    3.   Mitigative Measures 	 153

B.   Groundwater 	 154

    1.   Groundwater Quantity Impacts 	 154
    2.   Groundwater Quality Impacts 	 155
    3.   Mitigative Measures 	 160

C.   Population and Land Use 	 160

    1.   Introduction 	 161
    2.   Population	 . 161
    3.   Land Use 	 161
    4.   Transportation 	 162
    5.   Changes in Community Composition and Character  	 162

D.   Encroachment on Environmentally Sensitive Areas  	 163

    1.   Wetlands	 163
    2.   Sand Dunes 	 164
    3.   Steep Slopes 	 164
    4.   Prime Agricultural Lands 	 165
    5.   Flood Hazard Areas	 165
    6.   Critical and Unique Habitats	 165

E.   Economic Impacts 	 166

    1.   Introduction 	 166
    2.   User Charges 	 166
    3.   Local Cost Burden 	 170
    4.   Mitigative Measures 	 173

F.   Impact Matrix	 174

                                    xiii

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                                                                        Page

                          V - THE RECOMMENDED ACTION                    179

A.  Selection of the Recommended Alternative 	 179

    1.  Evaluation Results 	 179
    2.  Conclusions 	 182

B.  Draft EIS Recommended Alternative 	 183

    1.  Description 	 183
    2.  Implementation 	 185
    3.  Impacts of the Recommended Alternative and Mitigating
        Measures 	 187


                 VI - THE RELATIONSHIP BETWEEN SHORT-TERM USE
                      AND LONG-TERM PRODUCTIVITY                        189

A.  Short-Term Use of the Study Area 	 189

B.  Impacts Upon Long-Term Productivity 	 189

    1.  Commitment of Non-Renewable Resources 	 189
    2.  Limitations on Beneficial Use of the Environment 	 189
               VII - IRREVERSIBLE AND IRRETRIEVABLE COMMITMENTS
                     OF RESOURCES                                       191
                 VIII - PROBABLE ADVERSE ENVIRONMENTAL IMPACTS
                        WHICH CANNOT BE AVOIDED                         193
Glossary	 195
Documents Cited in This Report  	 209
                                      xiv

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                                 TABLES
Table                                                                   Page

  1-1     Comparison of Proposed and Observed Effluent Parameters
          for Frankfort and Elberta	    9

  1-2     Projected 1998 Design Flows,  Crystal Lake Area Facility
          Plan 	   11

  1-3     Present Worth Comparison of EIS Alternatives, Crystal Lake
          Area Facility Plan 	   14


 II-l     Soils Suitability for On-Site Systems Around Crystal Lake ...   36

 II-2     Climatological Summaries for the Crystal Lake Area 	   40

 II-3     Municipalities Using Groundwater for Prinking Supplies in
          the Study Area 	   47

 II-4     Physical Characteristics of Betsie Lake and Crystal Lake ....   55

 II-5     Non-Recreational Water Uses of Betsie Lake 	   57

 II-6     Total Phosphorus Loads to Crystal Lake 	   60

 II-7     Water Quality of Crystal Lake 	   62

 II-8     Total Phosphorus Loads to Betsie Lake (1972-1973) 	   63

 II-9     Parameters Influencing Septic Tank Performance Along
          Crystal Lake Shoreline Areas 	   69

 11-10    Permits Issued in the Proposed Service Area by GT-L-BHD
          Between 1970-1977 Including Repairs and New Installations ...   71

 11-11    Distribution of Cladophora Growth Along Crystal Lake
          Shoreline as Percent of Sites Investigated 	 	   79

 11-12    Characterization of Wetland Areas in the Crystal Lake
          Study Area 	   82

 11-13    Permanent Population Trends (1940-1975) 	   85

 11-14    Population Projections and Average Annual Growth Rates for
          Crystal Lake Proposed Sewer Service Area 	   86

 11-15    Poverty Status - Families (1970) 	   87

 11-16    Housing Characteristics of the Socioeconomic Study Area 	   89

 11-17    Minimum Shoreland Ordinance Standards 	   94
                                    xv

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Table                                                                   Page

III-l     Alternatives—Summary of Major Components 	  119

III-2     Cost-Effective Analysis of Alternatives 	  124

III-3     Small Waste Flow Management Functions by Operational
          Component and by Basic and Supplemental Usage 	-.	  142

                                        2
 IV-1     Phosphorus Loading Limits (g/m /yr) 	  146

 IV-2     Estimates of Phosphorus Loads to Betsie Lake for the
          Wastewater Treatment Alternatives 	  148

 IV-3     Crystal Lake Phosphorus Budget 	  150

 IV-4     Effluent Quality Comparison for Land Treatment and AWT
          Systems 	  159

 IV-5     Annual User Charges  	  167

 IV-6     High-Cost Alternatives (Annual User Charges Exceed 2.5%
          of Median Household  Income) 	  171

 IV-7     Financial Burden and Displacement Pressure 	  172


  V-l     Alternative Selection Matrix  	  180
                                     xvi

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                                FIGURES
Figure                                                                  Page

  1-1     Location of Crystal Lake Study Area  	    2

  1-2     Crystal Lake Study Area 	    3

  1-3     Existing Wastewater Facilities and Boundaries of  Presently
          Sewered Areas 	    6

  1-4     Facility Plan Proposed Service Area  	   12

  1-5     Monthly Cost of Gravity Sewers 	   18


 II-l     Topography of Crystal Lake Study Area	   28

 II-2     Bedrock Geology of the Crystal Lake  Study Area 	   29

 II-3     Surficial Geology of the Crystal Lake Study Area  	   30

 II-4     Major Soil Associations in the Crystal Lake Study Area 	   32

 II-5     Soil Conservation Service Land Resource Inventory Maps for
          the Crystal Lake Study Area	   33

 II-6     Location of Soil Borings Around Crystal Lake and  the
          Corresponding Limitations of the Soil Type for On-Site
          Systems 	   35

 II-7     Soil Suitability for On-Site Systems and Supply Irrigation ..   38

 II-8     Prime Agricultural Lands of the Crystal Lake Study Area 	   39

 II-9     Groundwater Flow Patterns for Crystal Lake 	   50

 11-10    Location of High Nitrate Concentrations on the North Shore
          of Crystal Lake (Selected Wells) 	   51

 11-11    Surface Water Hydrology and Wetlands of the Crystal Lake
          Study Area 	   53

 11-12    Flow, Phosphorus Concentration and Phosphorus Loads in the
          Cold Creek (1976-1977) 	   59

 11-13    Flood Hazard Areas of the Crystal Lake Study Area 	   65

 11-14    Plume Locations on Crystal Lake 	   67

 11-15    Results of Aerial Shoreline Survey,  EPIC 1978 	   70

 11-16    Results of the Aerial Shoreline Survey, July 6,
          September 5, 1976 	   75
                                    xvii

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Figure                                                                  Page

 11-17    Existing Land Use of the Crystal Lake Study Area 	   91


III-l     Phosphorus Loadings at Michigan Treatment Plants,
          1976-1978 	  102

III-2     STEP-Typical Pumps Installation for Pressure Sewer .. .;	  105

III-3     Land Application Sites for the Crystal Lake Study Area	  108

III-4     EIS Alternative 1:  Proposed Wastewater Facilities 	  126

III-5     EIS Alternative 2:  Proposed Wastewater Facilities 	  128

III-6     EIS Alternative 3:  Proposed Wastewater Facilities 	  129

III-7     EIS Alternative 4:  Proposed Wastewater Facilities 	  131

III-8     EIS Alternative 5:  Proposed Wastewater Facilities 	  132

III-9     EIS Alternative 6:  Proposed Wastewater Facilities 	  134


 IV-1     Trophic Status of Betsie Lake and Crystal Lake 	  147


  V-l     Limited Action Alternative 	  184
                                     xviii

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                          SYMBOLS AND ABBREVIATIONS
P
V
v
a
An asterisk following a word indicates that the term is
defined in the Glossary at the end of this report.  Used
at the first appearance of the term in this EIS.
less than
greater than
Rho
Mu, micro
Nu
Sigma
                           TECHNICAL ABBREVIATIONS
AWT
BOD
DO
ft2
fps
g/m /yr
GP
gpcd
gpm
I/I
kg/yr
kg/cap/yr
kg/mile
Ib /cap /day
mgd
mg/1
ml
msl
MPN
N
NFS
advanced wastewater treatment
biochemical oxygen demand
dissolved oxygen
square foot
feet per second
grams per square meter per year
grinder pump
gallons per capita per day
gallons per minute
infiltration/inflow
kilograms per year
kilograms per capita per year
kilograms per mile
pounds per capita per day
million gallons per day
milligrams per litre
millilitre
mean sea level—implies above msl unless otherwise indicated
most probable number
nitrogen
ammonia nitrogen
nitrate nitrogen
non-point source
                                     xix

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O&M
P
PH
P°4
ppm
psi
RBC
SS
STEP
STP
ST/SAS
TKN
TP-P
yg/i
EPAECO
operation and maintenance
phosphorus, or "as phosphorus"
measure of acidity or basicity; <7 is acidic; >7 is basic
phosphate
parts per million
pounds per square inch
rotating biological contactor
suspended solids
septic tank effluent pumping
sewage treatment plant
septic tank/soil absorption system
total Kjeldahl nitrogen
total phosphorus as phosphorus
micrograms per liter
name of a mathematical model
                         NON-TECHNICAL ABBREVIATIONS
DNR
EIS
EPA
EPIC
FWS

GT-L-BHD
HUD
NOAA

NES
NPDES
SCS

STORET
USDA
USGS
Michigan Department of Natural Resources
Environmental Impact Statement
United States Environmental Protection Agency
Environmental Photographic Interpretation Center (of EPA)
Fish and Wildlife Service, United States Department of
the Interior
Grand Traverse-Leelanau-Benzie District Health Department
United States Department of Housing and Urban Development
National Oceanic and Atmospheric Administration, United
States Department of Commerce
National Eutrophication Survey
National Pollutant Discharge Elimination System
Soil Conservation Service, United States Department of
Agriculture
STOrage and RETrieval (data base system of EPA)
United States Department of Agriculture
United States Geological Survey, Department of the Interior
                                      xx

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                               CHAPTER I

               INTRODUCTION,  BACKGROUND  AND  ISSUES
A.   PROJECT HISTORY AND DESCRIPTION

1.   LOCATION

     The  subject  of  this  Environmental  Impact  Statement  (EIS)  is
requested  Federal  funding   of   proposed   wastewater  collection  and
treatment  facilities  in  the  Crystal  Lake  area  of  Benzie  County,
Michigan.  The "Crystal  Lake Area Facility Plan - Wastewater Collection
and Treatment" recommended construction of the facilities which will be
described later in this chapter.   The new wastewater facilities would be
located  in  the City of Frankfort, the Villages  of  Beulah,  Elberta and
Benzonia,  and  the Townships  of Benzonia,  Crystal  Lake  and  Lake.
Together  these   communities  make   up   the  Facility  Planning  Area,
approximately  one-fifth  of  the  land area  of Benzie County,  which is
located in the northern part of the Lower Peninsula on the eastern shore
of  Lake  Michigan.   The  combined year-round population  of  the  areas
proposed  prepared  for sewering  (i.e.,  the  Proposed Service  Area) is
estimated to  be  4,400,  a  figure which swells  to  about 8,300  in the
vacation  season.   Figure  1-1  shows  their  location  within the State of
Michigan.  Figure 1-2  delineates  the  Study Area.

2.   HISTORY  OF THE CONSTRUCTION GRANT APPLICATION

     Water quality problems  and wastewater management needs of the Study
Area have for several years  been a  concern  of  both area citizens and
governmental agencies.  The  following chronology lists actions that were
taken  before  and  during  the  preparation of  this  Environmental Impact
Statement.

March, 1970    "Crystal  Lake Water Quality Investigation" completed by
               Dr.   John  J.  Gannon  of  the  School  of  Public  Health,
               University  of  Michigan,  for  the  Keep   Crystal  Clear
               Committee.

April, 1974    National  Pollutant Discharge  Elimination  System (NPDES)
               permits  issued to City  of  Frankfort  and  Village  of
               Elberta by  State of  Michigan,   Department  of  Natural
               Resources  (DNR).

November, 1974 NPDES permit  issued to Village  of Beulah by Michigan DNR.

March, 1975    "Report on Betsie Lake, Benzie County, Michigan, Working
               Papery/185"   published   by  United  States  Environmental
               Protection  Agency  (EPA) Region  V, as part of the National
               Eutrophication  Survey  (NES).

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                                BENZIE  COUNTY
Figure  1-1:  Location of Crystal Lake Study Area
                     2

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                                                                   LEGEND

                                                            TOWNSHIP BOUNDARIES

                                                            EIS STUDY AREA (FACILITY PLANNING AREA)
                           CRYSTAL LAKE
                            TOWNSHIP
Figure  1-2 :  Crystal Lake Study Area

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August-
November, 1975 Resolutions   passed   by  local   units  of   government
               designating   the   Crystal  Lake   Area   Sewage  Disposal
             - ^Authority  as  the  lead agency to prepare  a  facility plan
               inv application for an EPA construction grant.

December, 1975 Notice   of  Noncompliance  with   NPDES  permit issued to
               Village of Beulah by Michigan DNR.

October, 1976  Notice  of Noncompliance  and  Order to  Comply  with NPDES
               permit  issued  to  Village  of  Beulah  by Michigan  DNR.

November,  1976 Michigan  DNR proposed discharge  limitations  for Betsie
               Lake,  recommended that discharges not  be made to Betsie
               River  or  to  Lake  Michigan,  and recommended land disposal
               if possible.

December, 1976 Engineering  study of  wastewater treatment  alternatives,
               "Crystal  Lake Area Facility  Plan--Wastewater  Collection
               and  Treatment,"  completed by Williams and Works,  Inc.;
               McNamee,  Porter,  and  Seeley;  and  Perla Stout  Associates
               for  the  Crystal   Lake Area  Sewage  Disposal  Authority.

December, 1976 Hearing held  by Crystal Lake Area  Sewage Disposal
               Authority  on  proposed  Facility Plan.

June, 1977     Crystal  Lake Area  Sewage  Disposal  Authority  and  the
               Michigan DNR  formally  request an EIS.

July, 1977     Declaration  of Intent by EPA Region V to prepare an EIS.

October, 1977  Work begun by  WAPORA, Inc., on the  EIS for  the Crystal
               Lake area.

December,  1977 First  EIS  public  information meeting.

February,  1978 "Final  Summary   Report   on  Crystal  Lake Water  Quality
               Study" completed  by  Mr. Fred  J.  Tanis  for  the Crystal
               Lake Property Owners Association.

June  15, 1978  Second EIS public information meeting.

3.   THE  CRYSTAL LAKE AREA  FACILITY  PLAN

      In December 1976 the Crystal Lake  Area Facility  Plan was completed
and was subsequently  submitted to EPA by the Benzie  County Department of
Public   Works,   acting   as  the  applicant  for  funding  under the EPA
Construction Grants  Program.  The Plan, which proposed construction of
new wastewater  collection  and treatment facilities, had been developed
for the Crystal  Lake  Area  Sewage Disposal  Authority by  three  consulting
firms:   Williams and Works,  Inc., the  lead  consultant; McNamee, Porter,
and Seeley; and  Perla Stout Associates.

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     This section describes wastewater treatment facilities  now existing
in  the  Study  Area,  summarizes  the  existing  water  quality  problems
presented in the Facility  Plan,  and discusses the alternative solutions
and  recommended  course  of  action (the Proposed Action)  developed  there
in  the Facility  Plan.   Conclusions  reached in  the  Facility  Plan  and
summarized in  this  Section are  not necessarily  those  reached in  this
EIS.

a.    Existing  Wastewater  Treatment Facilities

     Three communities in the  Study Area—the City of  Frankfort, Elberta
Village,  and  Beulah  Village—presently have  some type of  centralized
wastewater collection and  treatment facilities.   Crystal Lake Township,
Lake  Township,   Benzonia  Township  and  Benzonia  Village  do   not  have
collection  facilities.    Wastewater  in  the latter  areas  is  treated
on-site,  principally  by septic  tank-soil absorption systems  (ST/SAS).
Figure   1-3   shows   the  locations  of   existing   community  treatment
facilities, the boundaries  of  the sewer service areas,  and the points of
effluent disposal.

     Frankfort Primary Plant.   The  Frankfort primary  treatment  plant,
which  was  constructed in  1939,  has a  design capacity  of  0.26 million
gallons per day (mgd).  The plant serves almost all of the population of
Frankfort  and  also  treats  wastes  from Pet,  Inc.,  the  only  significant
source  of  industrial  wastewater  in the Study Area.  Effluent  from the
Frankfort  plant  is  discharged  into Betsie Lake.  A description  of the
treatment  facilities  at  the  City  of Frankfort,  Elberta  Village  and
Beulah Village and evaluation  of the treatment performance are contained
in Chapter 4 of the Facility Plan.

     Plant records indicate that the average daily flow to the Frankfort
plant  for  the  period  July  1974 to June 1976 was 0.27  mgd;  the peak flow
reached  0.436 mgd.  Treatment  has provided removal of approximately 25%
of  the  biochemical  oxygen  demand (BOD) and  40%  of the  suspended solids
(SS).  Maintenance  costs have  increased and some equipment,  such as the
chlorination system and the comminutor*,  needs repair  or  replacement.
Problems  exist  which are  related  to  the  age  and  condition of  the
equipment  and  the  plant  cannot  meet  the  proposed  limitations  on
discharge  into   Betsie  Lake.   Further,   infiltration*   and  inflow*
hydraulically  overload  the plant,   as  documented in the  Infiltration/
Inflow Analysis (I/I)  conducted for the City.

     Elberta Primary Plant.  The Elberta  primary  treatment  plant,  built
in  1957  with  an   average  design  flow  of 0.10  mgd,   also  discharges
effluent into Betsie  Lake.  This plant serves most of the population in
the Village.

     From  July  1974 to June  1976  average  daily flow  to  the treatment
plant  was  0.126 mgd; the  peak  flow reached 0.225 mgd.  The  plant has
averaged  approximately  35% removal  of BOD and 50% removal  of  SS.   The
*See Glossary.

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                FRANKFORT
               SERVICE  AREA
                     Jr Existing Treatment
                      I     Plant
                         sting Treatment
                            Plant
                                                                   BEULAH
                                                                SERVICE  AREA
                                                        Existing  Beulah
                                                      Wastewater Treatment
                                                            Facility
SERVICE  AREA
Figure 1-3:     Existing Wastewater Facilities  and
         Boundaries of Presently Sewered Area

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cost  of  maintaining  the  Elberta  plant,  like the  Frankfort plant, is
increasing.   The Infiltration/Inflow Analysis  for  the Village of Elberta
concluded  that   the  existing  sewer system  is subject  to  significant
infiltration.

     Beulah Oxidation Ponds.   The  Village  of Beulah treatment facility
was designed  to handle an average  annual  flow of 0.1  mgd.  The  system
serves the entire Village plus  a mobile home  park with approximately 40
trailers in the  northwestern  corner of  the  Village of Benzonia.

     The facility employs four  oxidation  ponds and two seepage cells.*
The plant,  constructed in 1971,  was originally designed to dispose of
all effluent through  the  seepage cells, but during the last five years
it has been  necessary to  discharge some of the effluent into the  Betsie
River when the  cells  become  hydraulically  overloaded.  The  NPDES  permit
to discharge semi-annually to  the Betsie River states that  effluent may
not contain more than 30  mg/1  of BOD, 30  mg/1  of SS and  200 coliforms/
100 ml.  However, stipulations  in the permit that  the treatment facility
be monitored and improved  have  not been met.   Monitoring wells have  been
provided  to  detect   whether   seepage from   the  cells  pollutes  the
groundwater.

     The  annual  average   flow  to  the  Beulah  treatment  facility is
approximately  0.081  mgd.   It   has  periodically  been  necessary to
discharge treated wastewaters from the final  seepage cell to the  Betsie
River because the hydraulic  capacity of  the seepage cells  is 4,500 gpd
less than the present wastewaster flows.

     Influent to the treatment  system is not sampled prior to treatment.
Consequently, the present waste  loadings  and treatment  efficiency are
not  known.   However,  the Facility Plan  estimated the  average  waste
loading  to  the  plant at  70 pounds per  day  of both BOD and  SS.  The
Infiltration/Inflow  Analysis for the  Village  of  Beulah  indicated  that
the sewer system is  subject to  significant  infiltration.

     On-Site Treatment Systems.     On-site   wastewater   systems,    most
commonly the  conventional septic  tank-soil absorption system  (ST/SAS),
serve all remaining  parts  of  the Study Area.   There  are also a number of
systems  in   which   wastewaters  are  disposed   of  in   earth-covered,
gravel-filled pits   in the  ground.   A  few  holding  tanks have  been
installed in the area in recent years.

     The  Facility   Plan   claims  that  on-site  sewage  disposal systems
contribute to the degradation of water quality in  Crystal  Lake.

b.    Existing Problems with  Water Quality  and Wastewater
      Treatment Facilities

     As  a preliminary step in  the  development of wastewater management
alternatives, the Facility Plan cites the  following  problems.

     Betsie Lake.  An  analysis  of  Betsie  Lake  (National  Eutrophication
Survey  1975)  indicated  that   excessive   nutrient  loading  is  causing
eutrophic conditions.  In 1972,  48% of the phosphorus  load  to the  Lake

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was  contributed by  the  two primary  treatment  plants serving Frankfort
and  Elberta.   These plants are  incapable  of meeting effluent standards
proposed   by   the   State   of   Michigan   for   effluent   discharges
to   Betsie Lake.   Table 1-1  compares the proposed effluent limitations
with effluent characteristics of the plants  in 1975.

     Significant  infiltration was detected  in  the  three sewer systems.
Storm  sewers   connected  to the  sanitary  sewers  in  Frankfort are  the
source  of inflow  in that system.  The  Facility  Plan recommended sewer
system  evaluation surveys for Frankfort and Elberta; rehabilitation of
Beulah's  sewers was  also recommended, but without such a survey.

     Crystal Lake.   During the  preparation of  the  Facility  Plan  the
primary  source of  data  on water  quality in Crystal Lake  was a report
titled "Crystal Lake Water Quality Investigations" by Dr. John J. Gannon
of the University  of Michigan (1970).  The Gannon report concluded that:

     o    the most  important source of pollution in Crystal Lake was the
          inflow  from Cold Creek.   Several  business establishments and
          houses  along its north  branch  contribute  phosphates to Cold
          Creek.

     o    the  highest coliform  levels  and algal concentrations existed
          in  the  waters adjacent to  the north shore  toward the east end
          of the  lake.

     o    wells  along  the  northeast shore  showed  significantly higher
          concentrations  of  nitrate  than  did  wells  in  other  areas.
          Nitrate  levels in this area generally  ranged  from  1  to 6 mg/1
          as  N.*   (EIS Note:   of the 99 wells  sampled on the  northeast
          shore,  45  had  nitrate  concentrations less than 1 mg/1 as N, 50
          had   concentrations   between   1   and   6  mg/1  and  5  had
          concentrations greater than 6  mg/1.)

     o    Crystal  Lake is oligotrophic; dissolved  oxygen concentrations
          in  the  deep  areas are  7.2 mg/1 or  greater.

     o    the  algal mass in Crystal  Lake  will  increase  three  times in a
          period  of 7  to 10 years.

     o    sanitary sewage  should be  collected by  means of a sewer  system
          that would  encircle  the  lake;   this  sewage  should  then be
          treated and  discharged outside the basin.

     A  letter  was  included in  the  Facility Plan  from  Mr. Lyle Livasy,
R.S.,  staff sanitarian with  the Grand Traverse-Leelanau Benzie District
Health  Department,  citing  severe  soil  limitations  around the lake for
on-site sewage disposal and  high  coliform bacteria  counts  at two  houses
on the  northeast  shore.

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                         Table 1-1

  COMPARISON OF PROPOSED AND OBSERVED EFFLUENT PARAMETERS
                FOR FRANKFORT AND ELBERTA
                                                       Observed
Parameter (30-day average)
BOD5 (mg/1)
SS (mg/1)
Fecal Coliform (MPN/100 ml)
pH
Total P (mg/1)
Proposed
10
15
200
6.5-9.5
1.0
o
Frankfort
140
128
440
7.1
11.0
Elbertab
119
110
N/A
N/A
N/A
                          (or 80% removal,
                          whichever is stricter)
Survey performed 8/75.
Calculated from removal efficiencies.

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     The Crystal Lake Area Facility Plan reviewed existing data  on  water
quality  problems  in  Crystal  Lake  and  the  quality  of  surrounding
groundwater,  as well  as  information  on site  conditions such  as  soil
types  around  the lake.  The "Crystal Lake Water  Quality Investigation"
(Gannon  1970)  and  the  experience  of  Grand Traverse-Leelanau-Benzie
District Health  Department  were  the major sources of information on the
problem  referenced  in the  Facility Plan.  The Facility Plan concluded
that  high  water tables,  small  lots and  poor soil  provided  sufficient
evidence to link on-site systems and subsequent  water  quality  problems
and, therefore, to warrant sewering the Crystal Lake shoreline.

c.    Proposed  Solutions:   Alternatives   Addressed   in   the
      Facility Plan

     The Facility Plan developed four  alternative wastewater  management
plans   for  meeting   effluent   requirements   and  alleviating  problems
associated  with the  existing  collection and  treatment systems in  the
Facility  Planning Area.   Selection of the  Proposed Action from  among
these alternatives was based on analyses of costs, environmental impacts
and implementability of each.

     Collection  and  treatment facilities were  sized for  the year 1998
and were based on discharge of 100 gallons of wastewater per  capita per
day  (gpcd)  for permanent residents and 60 gpcd  for  seasonal  residents.
Commercial  and   industrial   flows  were  included  in  the  estimates.
Projected  flow for the  City of Frankfort included  0.049  mgd from Pet,
Inc.   Also  included   is  residual  infiltration/inflow  based  on values
determined  in the I/I analyses  that had been  conducted previously for
the  Frankfort, Elberta and  Beulah collection systems  (See Table  1-2).

     The  Facility  Plan  concluded  that  the  capacity  at the Beulah
treatment  facility  would be  sufficient through  1998  and that  adequate
treatment levels could be attained if (a) the I/I problem were corrected
and  (b) an additional  flood  irrigation area  were  to be provided  if
required.   Each  of  the  alternatives  presented  in  the Facility  Plan
assumed  that  wastewater  from the Village of  Beulah  would be  treated at
the  local  treatment plant  and  that I/I  would be  corrected.   The Plan
also  determined  that  it  was  not  feasible  to  upgrade and expand  the
existing  primary  plants  at  Frankfort  and  Elberta  and  recommended
abandonment of these facilities.

     Finally,   the   Facility   Plan  concluded   that   collection  and
centralized  treatment of  all wastewaters in the Proposed Service Area
shown  in Figure  1-4 would be necessary.

      In  developing  the  alternatives presented   in  the  Facility  Plan,
several  elements were  considered:

      o    Optimum operation of existing facilities,
      o    Flow and waste reduction,
      o    Collection systems,
      o    Wastewater treatment and disposal,  and
      o    Sludge disposal.
                                    10

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                          Table 1-2

 PROJECTED 1998 DESIGN FLOWS, CRYSTAL LAKE AREA FACILITY PLAN
Community Yearly
Benzonia
Benzonia Township
Crystal Lake
Township
Elberta
Frankfort
Lake Township
average flow
0.046 mgd
0.128 mgd
0.122 mgd
0.068 mgd
0.257 mgd
0.035 mgd
Average
summer flow
0.048 mgd
0.141 mgd
0.183 mgd
0.068 mgd
0.257 mgd
0.059 mgd
Flow on
peak day
0.058 mgd
0.182 mgd
0.210 mgd
0.117 mgd
0.401 mgd
0.070 mgd
Williams & Works; McNamee, Porter and Seeley;  and Perla Stout
Associates.  1976.  Crystal Lake area facility plan for wastewater
collection and treatment, Benzie County,  Michigan.
                                11

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                                                              LEGEND
                                                    ','  '  '<''] PROPOSED SEWAGE COLLECTION
                                                    	  •[•-  '•• J





                                                           EXISTING* SEWAGE COLLECTION
Figure 1-4    Facility Plan Proposed Service Area

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     Plans  for  correcting  I/I  problems  were  incorporated  into  the
alternatives, but no other  structural  flow-  or waste-reduction measures
were  analyzed.   Also  recommended by  the  Plan  was the  non-structural
approach  of  increasing   sewer   use  charges  as a  tool  to   encourage
conservation.  The  sewerage systems  consisted of  conventional  gravity
collectors with  a  combination  of force main  and  gravity interceptors;
routing  of  sewers  varied  with  each  alternative  plan,  depending  on
location  and number of treatment  facilities.   Treatment of  centrally
collected  wastewaters   by  processes   such   as  activated  sludge  and
physical-chemical  techniques  and by  land  application  after  aeration
in  lagoons  were examined.    Methods   investigated  for  disposal   of
sludge  were: (1) digestion, with disposal  of liquid sludge on land;  (2)
digestion, with  disposal of dewatered  sludge on land;  and (3) digestion
and landfilling of  dewatered sludge.

     The  four  wastewater  management  alternatives  developed  by  the
Facility Plan were:

     Alternative No.  1.   Treatment   of  wastewaters  from   Frankfort,
Elberta,  Lake  Township,  and Crystal  Lake Township  at  a new  rotating
biological contactor (RBC)  plant located in Frankfort and discharging to
Betsie  Lake.   Treatment  of wastewaters  from  Benzonia  and  Benzonia
Township at  a  new  land disposal  facility located in  Benzonia Township.

     Alternative No.  2.  Treatment of all wastewaters at  a new RBC plant
in Frankfort, on land previously purchased  by the City, and discharge of
the effluent to Betsie  Lake.

     Alternative No.  3.   Treatment of  all wastewaters  at  a new  land
disposal facility.

     Alternative No.  4.   Treatment of  wastewaters  from Frankfort  and
Elberta at a new land disposal facility.

     Table  1-3  shows   the  estimated   project  construction  costs  and
operation and maintenance  costs  and  salvage  values in terms  of present
worth  and   sums  the   total present  worth  for  each   of   the  four
alternatives. An interest  rate  of 6-1/8% and a 20-year  planning period
were used in developing the costs presented in the table.

d.    The Facility Plan  Proposed Action

     Alternative No.  2 was selected.   It included improvement  of  the
operation of the Beulah plant plus entirely new  centralized  facilities
to  collect  and treat  wastewaters.   Flow would originate not  only from
Frankfort  and  Elberta  but  also  from new  areas--Benzonia  Village,
additional areas of Benzonia Township and Crystal Lake Township and from
Lake  Township.   The  sewer  service  area proposed  in  Figure  1-2  in  the
Facility Plan is shown  in Figure 1-4.

     The  RBC system was  selected over  activated sludge and  physical-
chemical  treatment  on   the bases  of  cost  and  ease of operation.   The
plant would  include  facilities  for chemical  addition and microstraining
to provide advanced treatment.
                                   13

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Facility
                                  Table 1-3

PRESENT WORTH COMPARISON OF EIS ALTERNATIVES, CRYSTAL LAKE AREA FACILITY PLAN

                                        Regional alternative
Collection system
Total project cost
Salvage value (PW)
O&M (PW)
Net present worth
Wastewater treatment system
RBC plant
Total project cost
Salvage value (PW)
O&M (PW)
Net present worth
Land disposal facility
Total project cost
Salvage value (PW)
O&M (PS)
Net present worth
Total net present worth

No. 1
$ 14,714,000
(-) 2,039,000
(+) 912,000
13,587,000
3,274,000
(-) 189,000
(+) 1,051,000
4,136,000
1,034,000
(-) 59,000
(+) 270,000
1,425,000
18,968,000
No. 2
$ 14,919,000
(-) 2,037,000
(+) 1,069,000
13,951,000
3,485,000
(-) 201,000
(+) 1,187,000
4,471,000
N.A.
18,422,000
No. 3
$ 17,133,000
(-) 2,187,000
(+) 1,219,000
15,165,000
N.A.
3,097,000
(-) 182,000
(+) 611,000
3,526,000
18,691,000
No. 4
$ 14,556,000
(-) 1,968,000
(+) 1,100,000
13,688,000
2,746,000
(-) 158,000
(+) 972,000
3,560,000
1,737,000
(-) 102,000
(+) 384,000
2,019,000
19,267,000
  Williams & Works; McNamee, Porter and Seeley; and Perla Stout Associates.  1976.  Crystal Lake
  area facility plan for wastewater collection and treatment, Benzie County, Michigan.

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B.   ISSUES OF  THIS  EIS

     The Environmental  Protection  Agency's  review of the Facility  Plan
Proposed  Action  identified  the  following  issues  as  warranting  the
preparation of this EIS.

1.   COST  EFFECTIVENESS

     Capital cost for the Facility  Plan Proposed Action was  estimated in
the Plan  to be  $18.4  million.   This  equates to an investment of  $2207
per person and  $8654  per  existing dwelling  unit  within the Proposed
Service Area.   These per-person and per-household investments would be
among the highest in EPA Region V.

     Eighty-one percent of  the  estimated  capital cost would be  for new
collector and interceptor sewers.  Extensive  use of  pressure sewers  as a
potentially less expensive  alternative  to  gravity sewers was considered
by the  Facility  Plan consultants but  at the insistence  of  the State of
Michigan was not evaluated in the Plan.  Reliance on septic  tank  systems
to reduce the new areas to be sewered  was  briefly considered but  was not
incorporated into  any  of  the Facility Plan alternatives.  Use of  other
on-lot  sewage  disposal methods  or  small-scale technologies  was  not
considered.

2.   IMPACTS ON WATER QUALITY

     The  likely  impacts  of  the   Facility  Plan  Proposed  Action  and
alternatives  to  it on water quality were not  satisfactorily  addressed
in  the  Plan.   Of   principal   concern  are  eutrophication of  Crystal
Lake and Betsie Lake and nearshore  plant growth in Crystal Lake.

     Citizen  concern   over   growth  of  aquatic  plants in  scattered
shoreline  areas of  Crystal  Lake  resulted  in local  funding  of  two
limnological investigations of the  Lake:  by  Gannon in 1970  and Tanis in
1978.    Both studies  documented the  presence   near  some shorelines  of
aquatic plants growing on the lake  bottom.  The earlier report by Gannon
predicted  that   substantial  increases  in  plant growth  would occur at
existing nutrient loading rates. The  report  recommended that a sanitary
sewer  be   built  around the  lake  to  collect  sewage  for treatment and
export   from  the   Crystal  Lake  watershed.    The   conclusions   and
recommendations  of this report  and statements of the  local sanitarian
(Livasy  n.d.)  were  cited  in  the   Facility  Plan as  the basis  for not
relying on  septic  tank systems  around Crystal  Lake in  the  future.   The
later  report by  Tanis, showed that plant  productivity had not increased
as predicted and suggested that "an alternative which addresses specific
problem areas  may  be  more  appropriate" than  complete  sewering  of the
shoreline.   Neither  the  Facility  Plan  nor  the  limnological  reports
evaluated  quantitatively  the  probable  impacts on  water  quality  of
sewering or not sewering the shoreline of  Crystal Lake.

     A  41% reduction  in  phosphorus load  to Betsie Lake, resulting  in
removal   of  phosphorus  from  Frankfort  and   Elberta  wastewater, was
                                    15

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cited  in  the Facility  Plan.   However, the  Plan did not describe  the
relationship  between  such   a  reduction   and  lake  eutrophication.
Nor were  calculations made of an increase in the nutrient load  from new
discharges  of Crystal Lake area wastewaters and  from larger  discharges
of effluent which would follow population growth.

3.   ECONOMIC  IMPACT

     The estimated user charge for the Facility Plan Proposed  Action was
$175 per  year for  each residence or residential equivalent  in the new
sewer  service  area around Crystal  Lake.   This  charge  would  amount to
1.9% of  the permanent  residents'  average annual income.   Crystal Lake
Proposed  Sewer  Service Area  homeowners  would pay an initial $1500 for
stub fee*  and connection charge.  In addition,  the  homeowner would pay
for installation of a house sewer connecting his household plumbing with
the public  sewer.

     The  effect  of these sewerage costs could be to encourage  seasonal
and fixed  income residents to sell their properties  or  to  convert from
seasonal use to permanent  residency.

4.   INDUCED GROWTH AND SECONDARY  IMPACTS

     While  the   high  costs of wastewater  collection might  force some
current  residents  to move,  the availability  of sewers  in the Crystal
Lake  watershed   would make possible  construction of new  dwellings in
greater number  and in higher  densities than is presently feasible.  The
potential   for   significant  future  development  is  indicated  by  the
substantial number of  undeveloped platted  shoreline,  second tier and
subdivision lots in the watershed.

     The  rate and type  of development  supported  by  a central sewer
system  could   have   undesirable  impacts.    In  particular,  housing
construction on steep  slopes could  accelerate  soil erosion which, in
turn,  would increase  nutrient impacts to Crystal Lake  or  Betsie Lake.
In  addition, the density and  type of future development feasible with  a
central  sewer  system  could   be considerably  different from  what is
presently  typical  of  the Crystal Lake area.
C.   NATIONAL PERSPECTIVE ON THE  RURAL  SEWERING PROBLEM

     These EIS  issues,  that have been  discussed above, are not unique to
the  proposed plan  for  wastewater management in  the  Crystal  Lake  Study
Area but are typical of  concerns raised by a large number of wastewater
projects for rural and developing communities  that  have  been submitted
to  EPA for funding.  The  scope  of the problem has grown in the last few
years  as  controversy  has mounted  over  the high  costs and  possible
impacts  of  providing  conventional  sewerage  facilities  to   small  com-
munities across the country.
                                    16

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1.  SOCIOECONOMICS

     To  assess  the  magnitude  of  the cost  burden  that  many  proposed
wastewater collection projects  would impose on small communities and the
reasons for the high costs,  EPA studied over  250  facilities  plans from
49  states  for  pending projects for communities under  50,000  population
(Dearth 1977).  EPA  found  that,  even with substantial State and Federal
construction grants,  the  costs of  conventional sewering  are sometimes
beyond the  means  of  families  in  rural and semi-rural  areas.   This was
particularly  true  for  those   communities  where  the  completely  new
facilities proposed  would  result in  annual user  charges  of more than
$200 per household.

     The Federal government has developed criteria to identify high-cost
wastewater  facilities  projects  (The  White  House  Rural  Development
Initiatives 1978).   Projects are  considered to place a financial burden
on  rural  community users  when annual user  charges (debt  service plus
operation and maintenance)  would exceed:

     o    1.5% of median household incomes less than $6,000;
     o    2.0% of median household incomes between $6,000 and $10,000; or
     o    2.5% of median household incomes over $10,000.

Annual user charges exceeding these criteria would materially affect the
households' standard of living.  Federal  agencies  involved  in funding
wastewater  facilities will  work  with  the  community  to  achieve  lower
project costs through a change  in the project's scope or design.  If the
project's  scope  or  design  is  not changed, the agencies will work with
the community until  they  are assured that the community is aware of the
financial impacts of undertaking the high-cost project.

     It  is  the collection  system that  is  chiefly  responsible  for the
high  costs  of conventional  sewerage  facilities for small communities.
Typically,  80% or  more of  the  total capital cost for newly  serviced
rural  areas is  spent for  collection system.   Figure 1-5  indicates that
the  costs per  residence  for  gravity  sewers  increase  exponentially as
population  density  decreases.    Primary  factors  contributing  to this
cost/density relationship were  found to be:

     o    greater  length  of sewer  pipe  per  dwelling  in  lower-density
          areas;

     o    more problems with grade, resulting in  more  lift stations or
          excessively deep sewers;

     o    regulations or criteria which set eight inches as the smallest
          allowable sewer pipe  diameter;  and

     o    inability  of  small communities to spread capital costs  among
          larger populations sewered previously.

     In  addition  to the comparatively high  costs  of sewers,  facilities
were sometimes found to be more expensive than necessary due to:
                                   17

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                               Figure 1-5
                40
              S 30
              i
                20
                10
                                  Cost (*/month) = 43e ~°•'
                        24     6     8     10    12

                            Population Density, persons/acre

                            Monthly Cost Of Gravity Sewers
                                                         14
Dearth,  K.H.   1977.  In proceedings  of EPA national conference on
   less  costly wastewater  treatment  systems for  small communities,
   April 12-14, 1977, Reston, VA.
                                   18

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     o    oversophistication  in design,  with accompanying high chemical
          usage,  large energy  requirements,  and costly maintenance and
          operator  expense, when  simpler methods would do.

     o    use of expensive  construction materials  such  as non-locally
          produced  brick  and block and terrazzo when a prefab steel and
          concrete  building would perform satisfactorily.

     o    abandonment   of  existing   treatment  works  without  economic
          justification.

2.   SECONDARY  IMPACTS

     Installation  of  centralized collection  and treatment  systems in
previously unsewered areas can  have dramatic  effects on development and,
hence, on the economy, demography and environment of rural communities.
These  effects  can be desirable,   or  they  may substantially  offset
community objectives  for water resource  improvement,  land use planning
and environmental protection.

     In  broad  terms,   a  community's  potential  for  recreational, resi-
dential, industrial,  commercial  or  institutional development is deter-
mined by economic  factors  such  as  the availability of  land, capital,
skilled  manpower  and   natural  resources.   However,  fulfillment  of the
potential can be limited by  the unavailability of facilities or services
called infrastructure  elements, such  as water supply, sewerage, electric
power  distribution and  transportation.    If a  missing  infrastructure
element  is supplied,  development of  one type or another  may take place,
depending upon  prevailing local  economic  factors.   Such development is
considered to  be  "induced  growth"   and  is  a  secondary  impact  of the
provision of  the essential infrastructure element.

     Conflicts between induced  growth  and other types  of existing or
potential development  are also termed  secondary impacts as are  induced
growth's  effects  on  existing  water  resources,  land use,  air quality,
cultural  resources,   aesthetic  features  and  environmentally sensitive
areas.

     Secondary  impacts of   new  wastewater  facilities  may  be  highly
desirable.  For  example,  diversification  of the  local  employment base
may be possible only when  sufficient  wastewater  collection and treatment
capacity  is  provided  for  commercial  or industrial development.   On the
other  hand,   new  commercial  or industrial development  may   not  be
compatible  with   existing   recreational   or  agricultural   interests.
Residential  development accompanying expansion of  the employment base
may take place  on  prime agricultural land,  steep slopes  or wetlands, or
may otherwise infringe on valued  natural features.

3.    THE  NEED  FOR MANAGEMENT  OF  DECENTRALIZED  ALTERNATIVE
     SYSTEMS

     A  promising alternative to  expensive  centralized sewer systems in
rural  areas   is  a  decentralized wastewater management  system.   Both
engineering  and  management   are  integral  parts  of such  a system, and
                                   19

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"decentralized  alternatives,"  as  used  in this  EIS,  incorporate  both
engineering and management elements.

     Briefly,  the  engineering  element  consists  of the  use  of existing
and new  on-site  systems, rehabilitation or replacement of those systems
where necessary, and construction of small-scale off-site systems where
existing on-site systems are not acceptable.

     The management  element  consists  of continuing supervision  of the
systems'   installation,  maintenance,   rehabilitation   and  appropriate
monitoring of the systems' environmental impacts.

     While  other  factors  such  as  soil   characteristics,  groundwater
hydrology   and  lot   configurations   are   highly  important,   adequate
management may be  critical to  the success of decentralized alternatives
in many communities.   Similarly, lack of adequate management undoubtedly
contributed to past  failures of many on-site wastewater facilities and,
therefore,  the lack of trust  in  which they are  held by  local  public
health officials and consulting engineers.

     Historically,  state and local health  officials were not  empowered
even to  regulate  installation  of on-site systems  until  after  World War
II.  They  usually acted in  only  an advisory capacity.   As the  conse-
quences  of unregulated  use  of the  septic  tank-soil  adsorption systems
became  apparent  in  the 1950s  and  1960s,  health officials were granted
new authority.   Presently  most health officials have authority for per-
mitting  and  inspecting  or   denying  new  installations,  and   they can
require  renovation  and  replacement  of  on-site  systems.   However, their
role in the operation and maintenance of on-site systems remains largely
advisory.  There  is  seldom either a budget or  the authority to inspect
or monitor a system.

     In  the  1970's,  the  Congress recognized  the need  for continuing
supervision  and  monitoring  of  on-site  systems  in the  1977  Clean Water
Act.  Now,  EPA regulations implementing that Act  require that, before a
construction  grant for on-site systems may be made,  the applicant must
meet a number  of requirements and must:

     o     Certify  that  it will be responsible  for properly installing,
           operating  and maintaining the  funded systems;

     o     Establish  a  comprehensive program  for regulation and inspec-
           tion of  on-site  systems that  will include periodic testing of
           existing  potable water  wells  and,  where a  substantial number
           of   on-site  systems  exists,  more  extensive  monitoring  of
           aquifers;  and

     o     Obtain assurance of unlimited  access to  each individual system
           at  all  reasonable times for  inspection,  monitoring,  construc-
           tion,  maintenance,  operation, rehabilitation and  replacement.

     In    some  cases,   implementation   of   these    requirements  by
municipalities may be hindered  by  lack  of  state  enabling  legislation for
small waste flow management  districts  and  by lack of adequately  trained
                                    20

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manpower.   The municipality may have no  control  over  the  former and be
at a disadvantage because of the latter.  Other implementation factors,
over which municipalities should have control, are discussed in Section
III.D of this EIS.
D.   PURPOSE AND APPROACH OF THE  EIS AND CRITERIA FOR
     EVALUATION  OF ALTERNATIVES

1.   PURPOSE

     This   EIS   documents   EPA's    review   and   analysis   of   the
application for EPA Step  II  funding of the Facility Plan Proposed Action.
Based upon  this  review,  the Agency  will take one  of several  actions:

     o    Approve  the grant  application,  possibly with recommendations
          for design changes and/or measures to mitigate impacts of the
          Facility Plan Proposed Action;

     o    Return  the  application with  recommendations  for  additional
          Step I analysis;

     o    Reject the grant application; or

     o    With the applicant's and State's concurrence, approve Step II
          funding   for  an  alternative to  the  Facility Plan  Proposed
          Action,  as presented  in  this EIS.

     The review and analysis  focused on the issues identified in Section
I.B   and   was  conducted  with   an   awareness   of   the  more   general
considerations  of rural sewering problems  discussed  in  Section  I.C.
Major emphasis has been  placed  on developing and evaluating alternative
wastewater management approaches  to be compared  with the Facility Plan
Proposed Action.

2.   APPROACH

     The review and analysis reported in this  EIS included a series of
tasks, which  were undertaken in  approximately  the  following sequence:

a.   Review of Available Data

     Data presented in  the Facility Plan  and  other sources were reviewed
for applicability in development  and/or  evaluation of the Plan Proposed
Action  and   of   the  new   alternatives  developed  for  the  EIS  (EIS
Alternatives).  Sources  of data  are listed in this Bibliography.

b.   Segment Analysis

     As  a  basis  for revised population projections  and for development
of alternatives the Proposed Service  Area was partitioned into a number
of segments.  The number of  dwellings in each segment was counted from
black  and white  aerial  photographs.   Available  information on soils,
depth to  groundwater, water quality problems, environmentally sensitive
                                   21

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areas and land use  capabilities  was  tabulated  for  each segment and the
tabulations used to make  preliminary  estimates of the need for off-site
wastewater disposal.

c.   Review of  Wastewater  Design Flows

     Available population projections were revised on  the  basis  of the
segment house  counts.   New  EPA guidelines  for  estimating design waste-
water  flows  were  then used  to  revise  the  year 2000  wastewater  flow
projections.

d.   Development of  Alternatives

     First, technologies that might potentially reduce project costs or
minimize  adverse impacts while  still  solving existing problems  were
examined.    Four  categories   of  alternative  technologies   —   flow
reduction, low-cost sewers, decentralization,  and land  application --
were considered  according to  their functions in a wastewater management
system.   Next,  several specific areawide  alternatives  were  developed,
combining  the   alternative   technologies   into   complete  wastewater
management systems  that  would serve  the  Proposed Service  Area.   The
technologies and the alternatives are described in Chapter III.

e.   Estimation of Costs for Alternatives

     In order to assure comparability of  costs  between the Facility Plan
Proposed Action  and EIS alternatives,  all  alternatives were designed to
serve  a  fixed design  year  population.   Total  present worth  and  local
user charge  estimates  were  based upon unit  costs  listed in  a separate
engineering report (Arthur Beard  Engineers, Inc. 1978)

f.   Evaluation of the Alternatives

     The new  alternatives were developed with  a  knowledge  of the local
environmental  setting   and  with the understanding that they will  be
evaluated under criteria from  several disciplines.  The general criteria
for  evaluating  both   the  Facility  Plan Proposed Action  and the  EIS
alternatives are listed in Section  I.D.3  below.

g.   Needs Documentation

     The need for improved treatment  of Frankfort's and Elberta's waste-
water is clear and is not at issue  in this  EIS.  However, the effects of
lakeshore  on-site  systems  on  Crystal  Lake,  groundwaters  and  public
health had  not been clearly  documented  in the Facility Plan.  Because
determination  of  eligibility  for Federal  funding  of a  substantial
portion  of  the  Facility Plan Proposed Action  will be based on  the
documentation  of  these  effects,  several  supplemental  studies  were
conducted:

     o    an  aerial  survey  of visible  septic  tank system malfunctions
          using  low-altitude  color  and  infrared photography  by  EPA's
          Environmental Photographic  Interpretation Center;
                                    22

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     o    estimation  of the  existing Crystal  Lake  nutrient budget  and
          empirical modeling  of  the  lake's eutrophication  status;

     o    a   sanitary  survey  of lakeside  residences conducted  by  the
          University  of Michigan  Biological Station to evaluate usage,
          design and  condition of  on-site systems;

     o    a   "Septic  Snooper" survey  to  locate and  sample septic tank
          leachate  plumes  entering  Crystal  Lake from  nearby  on-site
          systems; and

     o    evaluation   by   the  Soil   Conservation   Service   of  soil
          suitability for  on-site  systems.

     The results of these  needs  documentation studies were not  available
for  consideration  in  the  initial   development   of  alternatives.    The
results  of   each  study have required  continuing modification  of  the
alternatives as  initially  designed and have  been the  basis for  necessary
refinements   in  the  determination of  the  eligibility of  any new sewers
around Crystal Lake for Federal  funding.

3.   MAJOR  CRITERIA  FOR EVALUATION OF ALTERNATIVES

     While  the  high  cost  of sewering rural  communities is  a  primary
reason  for  examining alternative approaches to  wastewater management,
cost is not  the  only  criterion.   Trade-offs  between  cost and other  major
impacts will have to be made.  The  various  criteria  are  defined below.

a.   Cost

     With some exceptions for innovative technologies, EPA construction
grant  regulations  allow  funding   of  only  the  most   cost-effective
alternatives.  Cost  effectiveness  has been  measured here as  the  total
present worth of an  alternative,  including  capital  costs  for  facilities
needed now,   capital  costs for facilities  required later  in the  20-year
planning period, and operation  and  maintenance costs for  all  wastewater
facilities.    Salvage  value  for facilities  expected to  be in  service
after 20 years has been deducted.  Analyses  of cost  effectiveness do  not
recognize differences between public and  private expenditures.

     The  responsible  municipality  or  sanitary   district will  recover
operation, maintenance  and local  debt retirement  costs through periodic
sewage bills.   The  local  economic  impact  of  new wastewater  facilities
will be  felt  largely through associated  residential  user  charges.  Only
publicly  financed  costs  were  included  in  residential  user  charges.
Salvage value was not factored into  residential user charges.

     No  assumptions  were  made  here  about  frontage fees  or  hook-up
charges that might be levied  by  the  municipalities.   Therefore,  the user
charges  reported here  for  the alternatives  are not  directly  comparable
to  those reported  in  the  Facility  Plan,  where  each  newly  sewered
residence would pay  $1,500 in connection  and stub  fees.
                                   23

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     Some  homeowners  may incur  costs  that  they  would  have  to  pay
directly  to  contractors.   Installation of  gravity  house  sewers  on
private  land  and  renovation  or replacement  if  privately owned on-lot
systems  for seasonally occupied dwellings  are not eligible for Federal
funding and are  seldom financed by municipalities.  These private costs
are identified for each alternative.

b.    Significant   Environmental  and  Socioeconomic   Impacts

     The  system  selected for  the  Proposed  Service Area will impact on
environmental  and   socioeconomic   resources  within   the  Study  Area.
Following  a  comprehensive review  of possible impacts  of the Facility
Plan Proposed Action and the  EIS alternatives, several types  of  impacts
were determined  to  warrant in-depth evaluation  and discussion in this
EIS.  These impacts  are classified as follows:

     o    Surface Water Quality Impacts,

     o    Groundwater Impacts,

     o    Population and  Land Use Impacts  including Infringement  on
          Environmentally Sensitive Areas,  and

     o    Economic Impacts.

c.   Reliability

     Reliability  criteria for the  alternatives include both  ability to
remedy existing water quality problems and prospects  of protecting water
quality in the future.  This first criterion was  applied in the analysis
of  surface and  groundwater  impacts  of the  alternatives presented in
Chapter  IV.   That analysis assumed that the collection,  treatment and
disposal   units   of   each  alternative  would operate  effectively  as
designed.   The   second   criterion  recognizes  that   all   structural,
mechanical  and  electrical facilities are subject to failure.  Types of
possible  failures  and appropriate  remedies  and preventive measures were
reviewed  for selected components of the alternatives.

d.   Flexibility

     The   capability  of  an   alternative  to   accommodate  increasing
wastewater flows from future development in the Proposed Service  Area is
referred  to as  its  flexibility.    In order to demonstrate  the  relative
levels  of investment for different  alternatives, all  were  designed and
costed  to provide service  for the  same  population  --  the design year
population projected in Chapter II.  However,  factors such as  the amount
of  land  that  could  be developed using on-lot systems  or the  ability to
increase  the capacity  of a   treatment plant  might  have  a  significant
effect  on future development  in the Study Area.   The  capability of the
alternatives  to  accomodate  increased wastewater  flows is reviewed in
Chapter  III.  The  effects  of the alternatives' flexibility on population
growth are predicted in  Chapter IV.

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                              CHAPTER II
                        ENVIRONMENTAL SETTING
INTRODUCTION

     The abundant water resources  and  their  many recreational  opportun-
ities make the Crystal  Lake  Study Area a pleasant place  to  live  and  an
inviting vacation spot.

     The centerpiece  of the region  is  Crystal  Lake, more than 8  miles
long, very deep and very clear.   Framed by wooded morainic cliffs,  it  is
one  of  the  major scenic  attractions  of  northern  Michigan.  The  sur-
rounding landscape ranges  from  sand  dunes and rolling terraces to  steep
hills and  ridges rising 300 feet above lake level.  Marshes  and  (wet)
woodlands are home to a  variety of animal and plant  life.   The  Lake is a
notable cold water fishery, "managed" for game fishing.

     Part  of the  free-flowing  Betsie  River, which  passes  through the
Study  Area,   has merited  designation  by  the State  of  Michigan  as   a
"natural river,"  and  preservation of its aesthetic  values is thus  safe-
guarded.  The link between the  River and Lake Michigan is Betsie  Lake,
which is  not only an important  recreational asset  but  also  furnishes
harboring,  docking and mooring  for Great Lakes shipping.

     Lake Michigan, which  moderates  weather  and  climate in the area and
brings  commerce   to   its  port,  offers  more recreational opportunity.

     Still another outstanding  resource  is Round Lake and its  environs,
which have been  included  in the Sleeping Bear Dunes  National  Lakeshore
Park.

     The original  hardwood forests have long since been  logged.   Early
settlers cleared the land, and agriculture  predominated in the  region
for  many  years.   Today there  are patches of woods,  and  prime agricul-
tural land  in row crops  or orchards,  but now agriculture employs only
7.2% of the  permanent population.  The largest single employer is Pet,
Inc., but  service and  retailing,  oriented  largely  toward vacationers,
are the major occupations.

     The  Crystal Lake  area is a  well-established   recreation center.
Boating, swimming, sailing and  water skiing  are  popular,  as  is fishing.
The  Betsie River,  a  year-round  fishing stream,  is a spawning ground for
trout and  salmon and  contains  other game species as  well.   Just  to the
north  are  a  fine salmon  fishery and  a  wilderness  area, and wildlife
offers recreation to  both  hunter and observer.   Hang gliding,  other air
sports and, in the winter,  nearby skiing add  to  the  diversity of recrea-
tion available.

     The Study  Area  also  serves as a  gateway and  a service  area, for
visitors to these other  recreational attractions  as  it lies between them
and  major  population  centers to the south.   It  is a role  that  is  likely
to  grow,  expecially  with  the  planned  expansion  of  facilities for the
Sleeping Bear Dunes Park.

                                   25

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     The  vacation population now approaches, and may  surpass  the  Study
Area's year-round  population by the end of the century, when a total of
12,000 is projected.   The only city in the  area,  Frankfort,  had a per-
manent population of 1,822 in 1975.  No income data are available on the
seasonal population, but  information on Benzie County indicates that the
range of  incomes  of the permanent population is below the State average
while the proportion  of  retired or elderly persons is  higher  than the
State average.   Throughout  the  area,  residential structures  are  pri-
marily single-family dwellings.

     Evaluation of  the courses  of action open to EPA must start from an
analysis of the existing  situation.  This chapter offers an inventory of
baseline conditions, divided into such categories as soils, groundwater,
surface water,  and biology.   Social and economic aspects  of  the  human
environment are discussed, as is the functioning of wastewater treatment
facilities presently in operation.

     Use  was  made  of  existing data, but it was  necessary to  undertake
additional  field  work in order to  obtain  better  information and  to
resolve  such key  issues  as the  need to  sewer Crystal  Lake's  entire
shore.   The new  studies  included:   a sanitary  survey; a sampling of
leachate plumes from  nearby  septic systems;  an aerial survey of visible
septic tank malfunctions; a  soils survey; estimation  of nutrient  loads
entering Crystal Lake; and modeling of the Lake's eutrophication status.
In general,  data  given in the  tables  are  not  repeated in the text, and
readers wishing  more  information  should  use the  Appendixes  for fuller
explanations and details.

     Research has  revealed  striking contrasts between Crystal  Lake and
Betsie Lake.   The  watershed acreage that drains  into Crystal  Lake is
only  twice  as  large as the  surface  area  of  that lake; for Betsie Lake,
this  ratio  is 627:1.   Similarly, it  is  estimated that  water  entering
Crystal Lake  remains  for 63  years, but water entering Betsie Lake flows
out  within  2 days.   Although  its depth  and water  retention  time make
Crystal  Lake  a   "nutrient  trap,"  and  although there  are some  algal
growths near portions of the  shore,  its  quality  is  excellent.  Betsie
Lake, despite its  heavy outflow, is eutrophic, and  it may be difficult
to correct this condition.
A.   PHYSICAL ENVIRONMENT

1.   PHYSIOGRAPHY

     The landscape of the Crystal Lake Area has its origin in the events
of  the  glacial age  that shaped the entire northern part  of the United
States.  The  major features in the Study  Area  that were formed by that
glaciation are the following:

     o    Lake  Michigan  --  the  area's  western  boundary.   Mean  lake
          elevation is 580  feet above mean sea level (msl).

     o    Crystal Lake -- the center of the Facility Planning Area, with
          a  surface  area  of approximately 9700  acres.   It  is  roughly
                                    26

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          rectangular in  shape.   Its long  axis  is 8.14 miles,  running
          northwest to southeast.

     o    Lake-bed  sands,  outwash*  materials,  sand  dunes  and  exposed
          lake terrace  — primarily to  the east  and  west of  Crystal
          Lake.   Relatively  narrow lake terraces  are on the north  and
          south shores.

     o    Morainic hills and ridges  —  north and south  of  Crystal Lake.
          With elevations  of  over 900  feet above msl,  the hills  and
          ridges  are the highest  points  in the Study  Area.   Some slopes
          in moraine areas exceed  30%.

     o    The Betsie River —  to  the south of Crystal  Lake.  The River
          widens   into  Betsie  Lake  prior  to  entering Lake Michigan.

     Other features of  the area  include the broad, flat floodplains of
Round Lake, Long  Lake,  and Rush  Lake to the  north of Crystal Lake.   At
one time a pond was formed in the  floodplain of the Betsie  River, in the
southeast  corner  of the Study Area, by construction of Homestead Dam,
but it disappeared when the dam was removed.

     An interesting feature  of the Crystal Lake shoreline  is the sandy
lake  terrace  on  the north and south, which was exposed in  1873 by  the
inadvertent lowering  of the  water level,  thereby providing a  strip of
land on which roads and houses  have been built.

     The  town  of Beulah  lies  on  the lake-bed sands  and outwash plains
east  of  Crystal  Lake;  there  is  also agricultural use.   The  towns of
Frankfort  and  Elberta are located in relatively  level areas north  and
south  of  Betsie  Lake,  and  the   rolling  topography  of the dunes area
between Crystal  Lake and Lake Michigan has  also  attracted residential
development.  Benzonia, at the southeast  corner of Crystal Lake, is  the
only major area developed on  the  moraines.

     The entire Study Area is drained by the Betsie River,  which empties
into Lake Michigan through Betsie  Lake.

     Topographic relief of the  Study Area is illustrated in Figure II-l;
topographic  features  that are sensitive  to development,   e.g., slopes
greater than 15%, are identified  there.

2.   GEOLOGY

     Sediments   of   glacial   origin,  characterized  by   sandy,  hilly
moraines,  alluvial  and  eolian   sands,  and  glacial  outwash   overlie
Devonian limestones and shales  in the Study Area.  The bedrock limestone
of  the  Traverse  formation generally borders  Lake Michigan and  is  ap-
proximately 1700 feet thick (see  Figure II-2).  It underlies most of the
Study Area, extending to the  eastern limit of Crystal  Lake.   Immediately
east  of  the  Traverse limestones  and  lapping over them  are the black
Antrim  shales  which average  as  much as  100 feet  in thickness (Martin
1957).  The surficial geology of  the Study Area is shown in Figure II-3.
                                    27

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                                                            LEGEND
                                                          ;,f;,;:  SLOPES  GREATER THAN 15%
                                                           	i
                                                     Source:  U.S.  Geological Survey,
                                                              Topographic  Map,  15 minute
                                                              series,  Frankfort Quadrangle,
                                                              1956.
                                                                                               MILES
Figure IE-1:  Topography  of  Crystal Lake Study Area
                                                                                                          00
                                                                                                          CN

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CO
                                                                                   LEGEND

                                                                             TRAVERSE FORMATION

                                                                             ANTRIM SHALE
                                                                       Source: Martin  1957
                                                                                                    MILES
                   Figure  II-2:  Bedrock Geology of the
                        Crystal Lake Study Area

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                                                                         LEGEND
                                                                                   ALLUVIUM
                                                            TILL PLAIN     |     | OLD BEACHES,
                                                                                     BARS AND
V     MORAINE
                                                    -.•; .;;::  OUTWASK PLAIN
                                                    mim DUNES
                                                     IMIIIIIII.III WAVE CUT BLUFFS
                                                                      Source:  Calver 1946.
                                                                               Williams and  Works,
                                                                               et al. 1976
Figure II-3:  Surficial Geology of the Crystal Lake
              Study Area

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3.   SOILS

     The  soils  in Benzie  County were formed  primarily from materials
deposited by glaciers.   The major soil  associations  shown in Figure II-4
generally reflect  the  surficial geology  carved  during glacial advance
and retreat.  The  characteristics of  these  associations are as follows:

     o    Nester-Iosco-Emmit  Association  —  Well  to  intermediately
          drained  shallow  loams  and  sandy  loams   developed  along the
          Betsie River  floodplain.

     o    Wexford-Emmit-Kalkaska Association — Well drained, deep, dry
          sands on the  sand moraines in the  area.

     o    Kalkaska-Rubicon  Association -- Well drained, deep, dry  sands
          on outwash plains to the east of Crystal Lake.

     o    Eastport Association -- Poorly  drained, deep sands  character-
          ized by high  water table and occasional pockets of peat accumu-
          lations .

     o    Bridgeman  Association -- Well drained,  very deep  dune and
          lacustrine sands  developed  along  the Lake Michigan shoreline
          west of Crystal Lake.

a.   Soils   Suitability  for  Septic  Tank  Absorption  Fields

     Suitability of  soils   for  septic tank  absorption fields is  based
primarily on slope, permeability, depth to seasonal  high water table and
hydraulic  conductivity.   The  role   of   these  factors  in determining
whether or how well effluent can percolate through the  soil is discussed
in Appendix A-2.   Appendix A-3  shows  ranges for these  parameters  which
place slight, moderate  or  severe limitations on soils  for on-site dis-
posal systems.

     The  Soil Conservation Service  (SCS)  is currently  in the  process  of
performing a soils survey for Benzie County.   The  SCS has indicated that
currently  available  information  on   soils  is  limited  in  scope and
accuracy  and  should be used  for general  planning purposes  only  (by
letter, Steve Utic,  SCS).   A discussion  of  the available soils  data can
be found  in Appendix A-l.

     In order  to provide  a general  indication of  soils suitability  in
the  Study Area, the SCS used the existing  soils data  to  formulate the
Land  Resources   Inventory  Map  (1972)  shown  in  Figure II-5.   The SCS
emphasized  that  the  existing  data   are  neither   complete  nor  very
accurate.

     The  Land Resources Inventory  Map shows  extensive areas that are
limited in suitability by slopes (S) ,  wetness, (W)  and  slow permeability
(T).  Soils designated  "L" on Figure  II-5 are most  suitable for on-site
systems or  cluster systems.   Generally these soils have slopes of less
than  12%  and  rapid permeability, but  some wet soils and steeply sloping
soils  are known to  be  present.   "L"  soils  appeared to be  suitable  for

                                   31

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                                                           LEGEND

                                                          BRIDGEMAN  (DUNES)  ASSOCIATION

                                                          WEXFORD-EMMET-KALKASKA ASSOCIATION

                                                          NESTER-IOSCO-EMMET ASSOCIATION
                                                   PffVffJI KALKASKA-RUBICON ASSOCIATION

                                                          EASTPORT ASSOCIATION


                                                       Source:   Williams and Works,
                                                                et al.  1976
                                                                                            MILES

                                                                                               2
Figure H-4:  Major Soil Associations in the
             Crystal Lake Study Area

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                                                                                                     LEGEND
                                                                                       ROLLING TO VERY STEEP, WELL DRAINED SANDY
                                                                                         SOILS ON UPLANDS

                                                                                       LEVEL TO GENTLY ROLLING, WELL DRAINED OR
                                                                                         MODERATELY WELL DRAINED SOILS WITH
                                                                                         LOAMY OR CLAYEY TEXTURES OR SLOWLY
                                                                                         PERMEABLE LAYER ON UPLANDS

                                                                                       LEVEL SOMEWHAT POORLY DRAINED TO VERY
                                                                                         POORLY DRAINED, SANDY, LOAMY, CLAYEY,
                                                                                         MARL OR ORGANIC SOILS ON LOWLANDS.

                                                                                       LEVEL TO GENTLY ROLLING, WELL DRATNED
                                                                                         SANDY SOILS ON UPLANDS
                                                                                                                             MILES
Figure II-5:     Soil  Conservation  Service  Land Resource
           Inventory  Map for  the  Crystal  Lake Study Area

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on-site systems provided that 1) these systems were not located on steep
slopes  or  wet soils  or 2)  systems  were designed  to  account for these
limitations.  Since the extent and location of these wet and steep soils
were not known, EPA requested that SCS field check selected "L" soils to
determine their  suitability  for on-site systems along the shoreline and
on land with a minimum set back distance of 100 feet from shore.

     Sites set back from lake.   The  "L" type  soils  included  suitable
sites for cluster systems  on land set back  from the shore.  Within the
"L" soils were  found scattered areas with steep slopes, particularly to
the north  of Crystal  Lake.   Pockets of wet soils  were  also  found,  but
they are rare  and mostly limited to  the area  adjacent to the southeast
shore (by letter, R. Larson SCS, 1 December 1978).  Steep slopes are the
major soils  limitation for  on-site  systems located more  than  100 feet
from the shore.   These soils could be used  for on-site or cluster sys-
tems provided that the systems were designed to prevent sidehill seepage
of effluent.  On sloping ground, drop boxes in a serial system provided
the best method of distributing the effluent.

     Shoreline Sites.  Soils borings taken by the SCS in Autumn 1978 (by
letter,  R.  Larson, 1 December 1978) from shoreline sites showed that all
74 sites  sampled were  unsuitable  due to  a seasonal  high water table,
although  for some  sites,  a  hazard  to  nearby  water supplies  or slow
permeability were  the  limiting factors.   Figure II-6 shows the approxi-
mate location of the soil borings and the  specific limitation for each
site.   Table II-l summarizes the results by township.

     The Health  Department,  however,  has found that soils  on over half
of  the   vacant   lots   in  the  Proposed   Service  Area  evaluated  between
1972-1977 were suitable  for  septic tanks.  The distribution of suitable
sites in the lakeshore townships is also shown in Table II-l.

     In general,  suitability  was limited by depths to the seasonal high
water table  (<4  feet).   Less frequently, poor  permeability due to high
clay content was the limiting factor (Sections 15, 16 and 21 of Benzonia
Township and Sections  15 and  19 of  Crystal Lake  Township)  (GT-L-BHD
December 1977)

     The SCS and the Health Department  use  somewhat different criteria
in determining soils suitability.  The Health Department does  not deny a
permit  application for a  septic tank on highly  permeable soils.   SCS,
however, considers  highly  permeable  soils to be  a  severe  limitation if
the systems  are  located near operating wells.  However, this  difference
alone does  not  account  for  the large discrepancy  between SCS  data and
the data from the Health Department.  Most of the sites determined to be
unsuitable by SCS had a seasonal high groundwater table; this is an im-
portant criterion used by the Health Department, as well.  The SCS indi-
cated that  the  seasonal high water table was  difficult to determine in
many instances;  since Crystal  Lake  was  lowered  some 100  years ago,  a
natural soils profile has not had sufficient time to develop (by letter,
R. Larson 1978).   Therefore,  one explanation for the discrepancy may be
that the seasonal high water table may  not  be as high as was suggested
to SCS in their  surveying.
                                    34

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U)

                                                                               LEGEND
                                                                 •  DEPTH TO GROUNDWATER LESS THAN A FEET

                                                                 A  HAZARD TO SHALLOW GROUNDWATER SUPPLIES

                                                                 O  DEPTH TO GROUNDWATER LESS THAN 4 FEET
                                                                         (1 SITE)  HAZARD TO SHALLOW GROUND-
                                                                         WATER SUPPLIES (1 SITE)

                                                                 D  SLOW PERCOLATION

                                                                 •  SLOW PERCOLATION (1 SITE)
                                                                         WETNESS (1 SITE)
                                                                                                     MILES
                                                                                        Source: SCS 1978
          Figure II-6:
Location of Soil Borings Around
Crystal Lake and the Corresponding
Limitations of the Soil Type for
On-Site Systems

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                                  Table  II-l

           SOILS  SUITABILITY FOR ON-SITE SYSTEMS AROUND  CRYSTAL LAKE


SCS Ratios of  Selected  Lakeshore Site Soils  (See  Figure II-6):
   Township
Seasonal High Water Table   Limitations for Other Sites
Benzonia
   North  Shore
    South  Shore

Crystal Lake



Lake  Shore
   11 out of 15 (73%)


    4 out of 4 (100%)

   22 out of 38 (58%)



   12 out of 17 (71%)
All others pose a threat to
nearby water supplies
Steep slope, slow percolation
and hazard to nearby water
supply

All others pose a threat to
nearby water supplies
By letter, Richard L. Larson, Soil Scientist, SCS, 1 December 1978.


Grand Traverse - Leelanau - Benzie District  Health Department  Evaluation  of
Site  Suitability for On-Site Systems 1972  -  1977:

Suitable
Unsuitable
Total
Benzonia
8 (27%)
. 22_ (73%)
30
Crystal Lake
22
_4
26
(85%)
(15%)

Lake
9 (64%)
_5_ (36%)
14
Total
39
31
70
(56%)
(44%)

By phone, W. Crawford, Sanitarian, GT-L-BHD.  28 July 1978.
                                      36

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     Despite the  extent  of unsuitable  soils  along the lakeshore, very
few existing systems  experience  the  problems  that might be anticipated
from unsuitable soils.   (See  Section  II.C  for  discussion of this point.)

b.   Soils  Suitability for  Land  Application

     Major soils characteristics limiting land  application include per-
meability,  depth  to  groundwater and  slope.   Soils  suitability varies
with the  type  of  land application  process  (rapid  infiltration, overland
flow or slow rate);  Appendix  A-4 shows  suitable  soil  characteristics for
the  major  land  application processes.   Based  on  the  Land Resources
Inventory Map  (1972)  (Figure II-5)  the most suitable  soils  are those
designated  "L", the nearly level  well drained,  sandy  soils.   SCS (by
letter, R.  Larson,  SCS,  1 December  1978) performed  a  soils survey on
potential land application sites in  "L" type  soils of Crystal Lake (see
Figure  II-7  for  site locations).  The survey indicated that the soils
were sands  and loamy  sands,  with a seasonal high  groundwater table more
than 6.0  feet  below the  ground  surface.   The  survey  also indicated that
these  soils  were  rapidly permeable  and may be more suitable for rapid
infiltration than spray  irrigation.   Further  on-site  testing  would be
required  to confirm  the  suitability  of  these   soils.   Steep slopes
located  on  these sites  would  require extensive  earthwork  to  be made
suitable.   Therefore,  application  sites  would  be limited to  level or
slightly sloping areas,

c.   Prime  Agricultural Lands

     The  Soil  Conservation Service,  of the United States Department of
Agriculture, has set  forth general guidelines for a  national program of
inventorying prime  and  unique  farmlands  (SCS 1977).  Prime and unique
farmlands have been designated  as  those lands which  can produce present
and future food and  fiber supplies  with the  least  use of energy, capital
and labor and  with  minimal environmental  impact.   Figure II-8 shows the
extent of prime agricultural  lands  within  the  Study Area.

4.   ATMOSPHERE

a.   Climate

     Lake Michigan has a  very decided effect upon  the area's weather and
climate.  The  prevailing west and  southwest  winds tend to moderate the
temperature, resulting in  warmer winter temperatures and cooler summer
temperatures than occur further  inland.  Precipitation also is moderate.

     Climatological  data  collected  in Frankfort  are sparse, so data from
the nearest US  weather station,  in  Manistee, Michigan, 30 miles  south of
the Study Area,  were also utilized  in developing the  temperature and
precipitation normals, which  are given in  Table  II-2.

     Summer  temperatures  often  reach  90°F  during July  and  August but
very  seldom rise above  it.   Winter minimum  temperatures  are  commonly
                                    37

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                                                                          LEGEND

                                                        [ '  • '. | HIGHLY PERMEABLE, NEARLY LEVEL

                                                               HIGHLY PERMEABLE, MODERATE SLOPES

                                                        v#ffi| HIGHLY PERMEABLE, STEEP SLOPES

                                                               HIGHLY PERMEABLE, SLIGHT TO
                                                                     MODERATE SLOPES

                                                               HIGHLY PERMEABLE, MODERATE TO
                                                                     SEVERE SLOPES
                                                               AREA NOT STUDIED
                                                                                            MILES
                                                                               0        I        2
                                                                 Source: This Survey was Conducted
                                                                             for  this Study by  the
                                                                             Soil Conservation
                                                                             Service 1978
Figure II-7:    Soil Suitability for On-Site Systems
                and Spray Irrigation
                                                                                                       oo
                                                                                                       en

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                                                              LEGEND

                                                            PRIME AND  UNIQUE  FARMLANDS, MOSTLY
                                                              ORCHARD  BUT NOT EXCLUSIVE TO  ORCHARDS

                                                            ORCHARD AREAS ADJACENT  TO  CRYSTAL LAKE
                                                              NOT IDENTIFIED  AS  PRIME  AND UNIQUE
                                                              FARMLANDS.
Figure II-8:  Prime Agricultural Lands of the Crystal
             Lake Study Area

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tion
                       Table  II-2
   CLIMATOLOGICAL SUMMARIES FOR THE CRYSTAL  LAKE AREA

Jan.  Feb.  Mar.  Apr.  May   June  July  Aug.  Sep.  Oct.  Nov. ^Dec.  Annual
        Temperature (°F)

        Precip. (in.)

        Wind direction

        Wind speed (mph)


        Temperature (°F)

        Precip. (in.)

        Wind direction

        Wind speed (mph)
23.4  24.1  31.7  44.3  54.3  64.3  69.1  68.4  61.1  51.6  38.9  28.3  46.6

2.02  1.64  1.54  2.81  2.73  3.01  2.72  2.66  3.66  2.74  2.97  2.12  30.92

 NW               WNW               WSW                W

 11                12                8                 9


22.5  26.7  30.9  40.7  53.0  64.5  68.2  65.9  56.5  48.6  36.4  23.4  44.8

3.26  2.58  4.10  2.04  4.26  2.99  1.97  3.85  3.01  1.54  2.74  1.73  32.6

 NW               WNW               WSW                W

 11                12                8                 9
  1 - Manistee, Manistee County,  Michigan
      (30 miles south of the Study Area)
  2 - Frankfort, Benzie County, Michigan
                                       NOAA. 1973, 1977.
                                       USGS. 1970. The National Atlas of the
                                         United States. Department of the Interior.

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below 20°F.  The mean  date  for the last freezing temperature  (32°F)  is
May  15,  while  the  mean  date  for   the   first  32°F   temperature   is
October 10.  The growing season lasts  approximately  150  days.

     During  the  summer  months,  precipitation  occurs primarily   as
scattered  showers   and  thunderstorms.   Annual   snowfall   averages   75
inches, with  one inch  or  more of snowfall  occurring at least 30 days
during  the  year, according to  the US Geological Survey (USGS)  (1970).
Mean  annual relative  humidity is 70%,  and the  mean  annual dew point
temperature is  37°F (USGS 1970).   Prevailing wind directions and speed
are shown in Table  II-2.

b.   Noise

     Outside of  highway  or  road noises and motorboat noises, the Study
Area has no known intensive noise sources.

c.   Odors

     Inasmuch as no letters from local residents  complaining about odors
have  been  reported, it  is  assumed that no objectionable odors of long
duration  are  present  in the  Study  Area.    During  the  recent  sanitary
survey  (University  of Michigan  1978)  six  of  the 249  residents inter-
viewed  mentioned odor  problems  of short duration associated with ST/SAS
operation during wet weather or heavy  use of their systems.

d.   Air  Quality

     The  State  of  Michigan  does not  maintain  monitoring sensors  in
Benzie  County,  but  data collected at  nearby stations in Manistee County
and  Wexford County  indicate  that  the  air  in  the  County  is  of high
quality and that National Ambient Air  Quality Standards  (Appendix B)  are
being met.

     Benzie County  is part of  the Upper  Michigan  Air  Quality  Control
Region.  Maintenance  of the  air  quality within  the County is the  re-
sponsibility of  the DNR's  Air Quality Division,  District Office No.  9,
in Cadillac.
B.   WATER RESOURCES

1.   WATER QUALITY  MANAGEMENT

     Water resource management  is  a complex of many elements,  in which
the Federal government, the State and the locality all  have an interest.
To  name just  a few  of  these  elements  --  irrigation, municipal  water
supply,  maintenance  of navigable  waters  and protection  of  the produc-
tivity  of  the  soil  — illustrates the broad range of  activities under
this  heading.   Among  the  most  important,  however,  is preservation  or
restoration of the quality of US waters.   In the Federal Water Pollution
Control Act (PL 92-500, 1972) and the Clean Water Act  that amended it in
1977  (PL 95-217)  Congress  outlined a  framework  for comprehensive water
quality  management  which applied  to  groundwater as well  as  to surface
waters.

                                    41

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a.   Clean Water Act

     Water  quality  is the responsibility of  the  United States Environ-
mental  Protection Agency (EPA)  in coordination  with the  appropriate
State agency,  in this case the Michigan Department of Natural Resources
(DNR).   However, with  passage  of  the  Clean Water  Act,  all  Federal
agencies were  instructed to  safeguard water quality standards in carry-
ing out  their  respective missions.  As the lead agency, EPA coordinates
the  national  effort,  sets  standards,  and  reviews  the  work of  other
agencies, some of which  are assigned responsibilities in line with their
traditional  missions.   For example,  the  Army  Corps  of Engineers main-
tains its  jurisdiction  over dredging permits  in  commercially navigable
waters  and  their adjacent wetlands and in coastal waters but now must
also  consider  water  quality.   The  Coast  Guard keeps  its  jurisdiction
over oil spill cleanup.   The Act  officially  draws  certain  other agency
activities  into   the  water pollution control  effort:   for  example,  it
authorizes  Federal  cost-sharing  in  agricultural  projects  designed  to
improve  water  quality by controlling farm runoff.  In the  case of the
Soil  Conservation Service (SCS),  these new  responsibilities  may be  in
addition to,  or as the  case  may be, may dovetail with SCS  programs  to
reduce  soil erosion,  or  to construct headwaters  impoundments for flood
control.

     In delineating the  responsibilities of the various levels of govern-
ment  for water  quality,  Congress  recognized  the  rights of  the States
with regard to their waters.   It authorized aid to the States in funding
the development  of  plans for control of pollution, development of State
water  quality  standards (which may be  more  restrictive than  Federal
standards),  and  research.  When  a State meets certain criteria,  it  is
certified by EPA as  the entity responsible  for administration  of the
activity in question.   The EPA may deny certification, and in all cases
it  retains  power  of enforcement  of  established  standards, State  or
Federal.   The  State  of  Michigan  is  one  of  the  states which has been
granted certification by EPA.

     Among  the goals and  deadlines set  in the Clean Water Act are these:

          "it  is the national goal that the discharge of pollutants into
          the  navigable  waters be  eliminated by 1985...

          "an  interim goal of water quality which provides for the pro-
          tection and propagation of fish,  shellfish,  and  wildlife and
          provides  for  recreation  in  and  on  the  water   [is  to]  be
          achieved by July 1, 1983".

     This  landmark  legislation  requires  that publicly  owned treatment
works  discharging  effluent   to  surface  waters must  at least  provide
secondary  treatment,  i.e., biological  oxidation  of  organic  wastes.  It
directed  that municipalities  must  provide the  "best available  tech-
nology"  by  1983  and  that in  appraising  their options  localities must
address  both  the  control of  all  major  sources  of  stream pollution
(including  combined sewer overflows and  agricultural,  street and other
surface  runoff)  and the  cost effectiveness of various control measures.
The use of  unconventional technologies  must also be considered.

                                    42

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     The key  provisions on  water  quality  planning  stipulate  that to
receive aid a  State  must provide  a  continuing planning process.  Part of
Section 208 requires the States  to inventory  all the sources of pollu-
tion of  surface  and ground waters, both  point* and non-point*, and to
establish  priorities  for the  correction of  substantial  water quality
problems within a given  area.  The 208 plans are intended to provide an
areawide and,  taken together, a  statewide,  framework  for the more local
decisions on treatment  facilities.

     Section 201  of the Act (under which the  Crystal Lake area appli-
cation for funds  was made) authorizes  EPA to  make grants to localities
toward the  improvement or construction of  facilities for treatment of
existing water quality problems.   EPA may determine whether an  Environ-
mental Impact Statement  is required on  a  proposed project (see Section
I.B), and  even where the State has been certified and assumes responsi-
bility for water  quality,  EPA  retains  authority  to  approve  or reject
applications for construction funds for  treatment facilities.

     The local political jurisdiction has  traditionally been responsible
for  meeting  the  wastewater  treatment  needs  of  the  community.  Local
jurisdictions  now have the benefit of  Federal and State assistance in
meeting water quality standards  and goals.

b.   Federal Agency .Responsibilities  for  Study  Area  Waters

     EPA

          Administers the Clean Water Act

          Sets Federal  water  quality standards

     EPA Region V

          Administers  the  grant  program described  above  for the Great
          Lakes Region.

          Provides  partial funding for preparation of the Crystal  Lake
          Area Facility  Plan.  Region  V's responsibilities in  the  con-
          struction grant program in general and specifically toward the
          application made in the Facility Plan are discussed in Section
          I.B.

     US Army Corps of Engineers

          Controls  dredging and  construction activities  in  commercially
          navigable  streams,  their  100-year   floodplains  and  adjacent
          wetlands through a  permit system.

     US Department of Agriculture

          Under the Rural  Clean  Water  Program will provide  cost sharing
          for  soil   conservation  practices  designed to  improve water
          quality.   (This  program  will  probably  be  assigned   to SCS.)
                                    43

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     Soil Conservation Service (SCS)

          Agency's mission is  to  control wind and water erosion, to sus-
          tain the soil  resource base  and  to  reduce deposition of soil
          and related pollutants  into the water system.

          Conducts soil surveys.  Prepared  Land Resources Inventory Map.
          Drew up  guidelines  for inventorying  prime or unique agricul-
          tural lands.

          Works with  farmers  and other land users  on erosion and sedi-
          mentation problems

          Gathers information at the county level  as part of program of
          study  and   research  to determine new methods  of eliminating
          pollution from agricultural sources.

          In the Study Area has performed some  stream bank stabilization
          on the Betsie  River and  built a  sediment basin (trap) in Cold
          Creek  approximately 300 yards  upstream from  the  Creek's
          entrance to Crystal  Lake.

     Fish and Wildlife Service

          Provides technical  assistance  in  development of  208 plans.

     US Geological Survey

          Has  in the past  monitored surface water flows in the Betsie
          River but does not do so  in the Study Area at present.

c.   State  Responsibilities  in the  Crystal  Lake  Study Area

     Pertinent Michigan Laws

          Environmental Protection Act  (P.A. 127 of 1970).  Provides for
          legal  action by the Attorney General  or any person or legal
          entity  for protection of  the  air,  water,  and other natural
          resources and the public trust therein.

          Natural Rivers Act of 1970 (P.A.  231  of  (1972).   Protects the
          public trust in Michigan inland  lakes and streams and protects
          riparian rights.   Is implemented at the State level.  For  a
          discussion  of pertinent provisions, see  Section II.E.4.

          Soil Erosion and Sedimentation Control Act (P.A. 347 of  1972).
          Provides for  control of  soil erosion and sedimentation.   (See
          Section II.E.4 for discussion of  provisions.)   Is administered
          at  the county level.  The Soil  Conservation district admini-
          sters  the Act in the case of  agricultural activities.
                                    44

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     State Agencies

     Department of Natural Resources  (DNR)

          Is responsible  for establishing water  quality standards  for
          the surface waters  of  the State appropriate to several classi-
          fications,  and for regulating  discharges  of waste that affect
          water quality,  including those from sewage  treatment plants.
          (See  Appendix D-l for  classification of  Study Area streams  and
          lakes  and  Appendix D-2 for  associated  water quality  stan-
          dards .)

          Has authority to issue  permits  to discharge  pollutants  into
          surface waters  under  the National  Pollutant  Discharge Elimi-
          nation System (NPDES).   The Water  Resources Commission, which
          reports to DNR,  sets  permissible  discharge  levels  and  may
          approve applications  for permits.   Details of permits granted
          to Frankfort City  and  Elberta  for discharge of  wastewater
          treatment  effluent to  Betsie Lake  and  to  Beulah are contained
          in Appendix D-4.

          Administers Natural Rivers  Act.   DNR has  issued  zoning regu-
          lations for the  Betsie River Natural River (see Appendix D-3)
          and has, with citizen  participation, devised a management plan
          for that River.

          Administers Inland Lakes and Streams Act.

     Northwest Michigan Regional Planning and Development Commission

          Has prepared  a  plan  for Michigan's Region X,  which  includes
          the Crystal  Lake Study  Area,  with guidance  of EPA  and  DNR,
          pursuant to Section 208 of the  Clean Water Act.

     "Clean Waters -  A Water Management Plan for  Northwest Michigan"  has
been approved by  the State,  subject to  conditions  centering  around  the
need for  more  work.   Within  Benzie County, Betsie  Lake  was rated first
as  a  "plan of study  area,"  a higher priority than  assigned  to Crystal
Lake because the  former is eutrophic and because of the extensive work
done on  the latter  (including  this  EIS).   The Commission  was  named as
Coordinator for Lake  Management  Activities in the  region.  It works with
lake associations and develops tools to help them assess the problems of
their lakes.  The Commission plans some  groundwater assessment  and also
some work on non-point sources of nutrients -- agricultural, stormwater,
duck feeding, excessive lawn fertilization, and on-site systems.

     Michigan Department of Public Health

          Has authority to regulate  on-site  sewage  disposal systems  and
          makes  initial  determinations  on  subdivisions,  campgrounds,
          commercial  developments, etc.
                                    45

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d.   Local Agencies
       Grand Traverse-Leelanau-Benzie District  Health Department
      (GT-L-BHD)

            Has authority to regulate individual  residential on-site waste
            disposal systems.  Has authority delegated by  the State Health
            Department to  regulate non-residential on-site disposal sys-
            tems.

            See Section  II.C.3  for discussion  of sanitary code applicable
            in the Study Area.

       Frankfort City, Beulah and Elberta

            Own and operate municipal wastewater  treatment plants.  Types,
            conditions and operations of these  facilities  are described in
            the  Crystal  Lake Area  Facility  Plan and in  Sections I.A.3.a
            and b, above.

       Benzie County

            May  enforce  Soil  Erosion and  Sedimentation  Control  Act for
            non-agricultural activities
  2.   GROUNDWATER USE

  a.   Municipal and Individual  Use

       The public water supplies for Frankfort City,  Elberta,  Beulah, and
  Benzonia are  obtained from wells,  which tap the groundwater  in  the sand
  deposits  of  the glacial  moraine.   The  supply  of water  is more than
  adequate to  serve  domestic needs through the year  2000.   (Wilbur Smith
  and  Associates  1974).  However, the  County Development Plan indicates
  that  the existing water  supply systems are inadequate with respect to
  distribution  capabilities  and  storage  capacity  for emergency situations
  and  future population demands  (Wilbur Smith and Associates  1974).  The
  number of wells and  the capacity of the holding tanks  for municipalities
  in the Study  Area are shown in Table II-3.
                                      46

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                              Table  II-3

                 MUNICIPALITIES  USING  GROUNDWATER FOR
                  DRINKING SUPPLIES  IN THE  STUDY AREA

                                      Depth  of Wells     Capacity of Holding
Municipality       Number of Wells          (feet)           tanks (gallons)

Frankfort city           2             70  and 100          2 tanks -
                                                           60,000
                                                           and  125,000

Elberta                  2             70                  1 tank -
                                                           capacity
                                                           unknown

Beulah                   1             150                1 tank -
                                                           50,000

Benzonia                 2             125                1 tank -
                                                           35,000

                              By telephone,  28  July  1978, Mr. William
                              Crawford, Sanitarian,  GT-L-BHD.


  ...  Annual pumpage for  the  city  of Frankfort was reported to  be 102 x
10  gallons in  1976 with a daily  maximum of  607,000 gpd  (Huffman 1977).
Pumpage records for the other municipalities  were  not  available.

     Most of  the  residents  around  Crystal  Lake have individual  or group
wells.   There  are several  community  well  systems  along  the  south and
southwest shoreline and  two  community systems  on the north side of the
lake (GT-L-BHD December 1977).

b.   Industrial

     Pet, Incorporated,  located in  Frankfort City,  owns wells  that tap
local groundwaters for food processing operations.   During  the peak food
processing months  Pet,  Inc.  uses  from 40,000 to  56,000  gallons  of water
per day for processing fruit.  (Williams  and  Works  1976).

c.   Irrigation

     Orchard owners and farmers  in the area tap the  groundwater  aquifers
to irrigate their orchards  and  fields during drought conditions and to
provide  suitable  drinking  water  for  their  livestock.   The  amount of
groundwater used for these purposes  has not been  determined.

3.   GROUNDWATER HYDROLOGY

     Groundwater  in the  Study Area  is found under both water table and
artesian conditions.  Under  water  table  conditions  no upper impermeable

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confining layer  exists  above the aquifer.  Precipitation and wastewater
is  therefore  free  to  percolate  downwards  through  the  soil  to  the
saturated zone  in the aquifer,  the  top of which is known as  the  water
table.  However,  under  artesian conditions an impermeable layer such as
clay  overlies the  aquifer,  confining  it  and effectively  sealing  out
percolating waters  immediately  above it.   Because artesian aquifers  are
confined, top  and bottom,  the water in them  is  under  pressure and will
rise  in  wells to  levels  above  the top of  the aquifer,  sometimes  above
land  surface.   Wastewater applications to  land  over aquifers  therefore
pose  threats to  water  table aquifers,  but  generally not  to artesian
aquifers.

     Water  table and artesian  aquifers within  the  Study Area  are  not
clearly delineated.  As is customary in glacial deposits, except outwash
plains,  confining clay layers are irregularly distributed in  the  Study
Area.  These layers may be thick and extensive in  some  areas but thin
and  of limited  extent  in others.   No  detailed  studies of  the  local
aquifers  and their  characteristics  have  been undertaken.  However,  the
Health  Department  reports  "The drinking  water  aquifers  in Benzonia
Township, for  the most part, have at least a  10-foot clay barrier.  The
Crystal  Lake Township  and  Lake Township  well  logs often  indicate no
protective  over-burden,  and wells of generally  less depth."  (GT-L-BHD
December  1977).

     Since,  in most instances,  drillers have  not been recording pumping
rates  and  water levels on  well logs, the specific capacities of  the
wells are generally  unknown.  Well yields as  reported by Leverett et al.
(1907) are  very  small,  less  than 10 gallons per minute (gpm) except for
a  very  deep  well  (2200  feet)  in  Frankfort which  yielded  480  gpm.
Limited data on  recent well  logs supplied  by the Benzie Health Depart-
ment indicate yields up to 15 gpm.  The moraine deposits of the area are
probably  poorly  sorted  angular  materials varying  in  size from boulder
through  gravel  and  sand  to  silt   and  clay  with  resulting  low  water
yields.   The outwash deposits  to the  southeast of the  Study Area  are
likely  to  be  better  sorted with  consequently  higher  yielding wells.

     The  average  depth  and the  range  of  depths  for  the wells in  the
various lakeshore  areas are  shown below.

                                               Depth  (ft)
     Township (s)	Location	Range	Average
     Lake              Northwest         20-350          81

     Lake/Crystal      West              20-159          67
     Lake

     Crystal  Lake      Southwest         30-313          68

     Benzonia          Southeast         27-160          69

     Benzonia          Northeast         10-166          47

                                    (University of Michigan 1978)
                                    48

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     Evidence  of  some  hydraulic  continuity  of  the  aquifer(s)  with
Crystal Lake  exists  in  the form of underwater  springs  in the  north-
eastern part  of  the  lake  (Gannon  1970).   Based  upon  the location  of
groundwater plumes entering Crystal Lake mainly on the northeastern and,
to a lesser extent the southeastern shores,  Kerfoot (1978)  has  suggested
the flow  pattern shown  in  Figure II-9.  He  proposes that  groundwater
levels to the  east  of the lake are  higher  than  the lake  level which is
in turn higher than  groundwater  levels west of the  lake.  The general
direction  of groundwater  flow  is  therefore  into  the lake  at the eastern
end and out of the lake at the  western end.

     The depth to groundwater  and the thickness  and extent of  confining
or protective  clay  layers are  important factors  in  determining ground-
water yield and  protection  of  groundwater quality.  The hills  that sur-
round Crystal Lake  consist  of  loosely consolidated drift  with  irregular
beds of clay.   Clay layers are  thin and irregular at high  elevations and
thick at  lower elevations  (Leverett 1907).  As was  indicated  in Table
II-3  the  municipal  wells  in  the  hillside  townships  are  generally deep
and the water table in these morainic regions  is  at a low  level.

4.   GROUNDWATER QUALITY

     The natural groundwater quality in the Study Area was investigated
by Leverett (1907).   Well water  is generally very hard,  ranging as high
as 360  ppm (CaCO ).   Maximum  chloride concentraction is  about 34 ppm,
and iron  is generally absent  from the water.  The  water  supplied from
these wells is excellent for drinking but is not  good for  laundry unless
softeners  are used.

     More  recently,  studies were  undertaken  by Gannon (1970) and Kerfoot
(1978)  to  learn  whether groundwater  supplies were  being contaminated
with  leachate  from  septic tanks.   Gannon  et al.  (1970)  surveyed  165
wells around  Crystal  Lake  for total and fecal  coliforms  and  nitrates
(N0_).  The final results showed  that all wells tested were negative for
coliforms.   Forty-three  wells  tested positive for nitrates; twenty-two
of these  showed  nitrate-nitrogen  levels  greater  than 2 milligrams  per
liter  (mg/1),  six showed  levels  greater than 4 mg/1, and one exceeded
the  US Public  Health  Service  Drinking Water   Standard  of  10  mg/1.
Although the samples that tested  positive were evenly distributed around
Crystal Lake,  "a  significantly   higher  percentage  of  the north shore
samples  had  nitrate-nitrogen   concentrations  greater  than  2  mg/1."
(Gannon  1970)    All  samples  whose  concentrations  of nitrate-nitrogen
exceeded 4 mg/1 also came from  the north shore.

     A follow-up survey of the  north shore wells  was subsequently under-
taken.  Locations whose  concentrations  of nitrate-nitrogen exceeded 1.0
mg/1  in the  preliminary study  were sampled.   Figure  11-10  shows  the
average and maximum  concentrations  for  sampling  points  with  highest
levels of nitrates.   The  locations of highest concentrations correspond
to areas of high population and  high ST/SAS density, suggesting a cor-
relation between population density and high nitrate levels.   Only two
samples, however, showed nitrate  levels that equalled or exceeded
                                    49

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                             HEAVY ARROWS INDICATE DIRECTION OF FLOW
              Source: Kerfoot 1978
                   OVERVIEW OF  GROUNOWATER FLOW
                 ARROWS INDICATE  DIRECTION OF FLOW
         ALTERED  GRADIENT
              -NATURAL  GRADIENT
L. MICH /.>V^T^g - - c
CRYSTAL LAKE
V  ALTERED
 ^ GRADIENT
               VERTICAL SCHEMATIC OF GROUNDWATER FLOW
                    (VERTICAL SCALE EXAGGERATED)


        Figure II-9:    Groundwater Flow Patterns  for Crystal Lake
                                   50

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                                                                     LEGEND

                                                       X.XX mg/l  MAXIMUM NITRATE LEVEL
                                                      (Y.YY mg/l) AVERAGE NITRATE LEVEL
                                                                                             MILES
                                                                                0        I

                                                                                Source:  Gannon 1970
4.75 mg/l
;(1.97 mg/l)
                                                             85 mg/l)

                                                                 34J
                                                                 j[5.05mg/l)
Figure 11-10: Location of High  Nitrate  Concentrations
              on the North  Shore  of  Crystal  Lake
              (Selected Wells)

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the  Drinking  Water  Standard.   The  generally  low  levels  of  nitrates
elsewhere  indicate that  groundwater  contamination was not  widespread.

     Data  showing  the  localized  effects  of septic  tank leachate*  on
interstitial*  groundwater and surface water of the Lake  were collected
during  a  1978 survey of the Crystal Lake  shoreline  employing  a Septic
Leachate  Detector*,  dubbed  "Septic  Snooper"* (Kerfoot 1978)  (Appendix
C).  Septic  tank  effluent plumes entering the Lake were located and the
interstitial groundwater  associated with each leachate plume  was sampled
one  foot  below the lake  bottom.  Concentrations of nitrate,  ammonia and
total phosphorus were measured.

     Despite the proximity of each sampling point to the ST/SAS, none of
the  samples taken along the northeast, southeast and southwest shoreline
indicated violations  of the Drinking Water Standard for nitrates.  While
there is  a  possibility that the interstitial groundwater samples do not
accurately  reflect true  groundwater  quality, the  nitrate concentration
data are  consistent with Gannon's findings (1970) for nitrate levels in
wells along the  northwest,  southeast and  southwest  shores.   Unfortun-
ately,  interstitial groundwater samples were not  collected  in effluent
plumes  along the northeastern shore where well water nitrate levels were
found by  Gannon (1970) to be the highest.

     Although phosphorus  levels in the groundwater plumes are low, there
may  be  sufficient  phosphorus loading  to  cause localized algal blooms
along  the  northeast  and southeast  shore  where   groundwater  inflow is
significant.  These plumes may channel nutrient-rich water to the vegeta-
tion, in  effect acting as a hydroponic culture.   However, ST/SAS may not
be the  sole source of phosphorus  for the algae.  Phosphorus in drinking
water  is  not  a health hazard to  humans; the only concern  is excessive
loading of  nutrients  into the Lake.  This issue is further addressed in
Section II.B.6.

5.   SURFACE  WATER HYDROLOGY

     Cold Creek,   Crystal Lake,  the  Betsie  River and Betsie  Lake are
major  surface water  resources  located  in  the  Study Area.   Cold Creek
originates  approximately five miles east of Benzonia and is the primary
tributary entering  Crystal Lake.   The Betsie River originates in western
Traverse  County,   flows  southwest into Benzie  County  and  then into
Manistee  County.    Upon  nearing  the  southern end  of Crystal  Lake, the
River   receives the  overflow  of  that  lake.   Continuing westerly, the
River   empties  into   Betsie  Lake  and  eventually  Lake  Michigan  via
Frankfort Harbor.   The total water system drains almost the entire Study
Area,  with the exception of a small area  to the  north of  Crystal Lake
(see Figure  11-11) .

     Physical  characteristics pertaining to the hydrology of the surface
waters  serve to describe and differentiate the lakes and streams  in the
Study Area.   Specific hydrologic  and morphologic  characteristics  of the
lake or stream not only  form the  surface water system  in which  chemical
and  other factors  operate and interact  but are themselves major factors
in   that  interaction.    Size of  drainage  basin,  tributary  flow, lake
volume  and hydraulic  retention time  directly influence the quantity and
quality of  surface water resources.

                                    52

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                                                              LEGEND

                                                         WETLANDS


                                                          ORIGINAL WATER LEVEL OF THE ABANDONED
                                                                      HOMESTEAD DAM

                                                         CRYSTAL  LAKE WATERSHED  BOUNDARY
                                                    Source:  Tanis 1978.  U.S.  Geological
                                                             Survey,  Topographic  map,  15
                                                             minute  series,  Frankfort
                                                             Quadrangle  1956.
                                                                                             MILES
 Abandoned
Homestead  Dam

Figure II-11: Surface Water Hydrology and  Wetlands of
              the Crystal Lake  Study Area

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a.   Size  of Drainage Basins

     Betsie Lake's drainage basin is more than six times  that  of  Crystal
Lake (245  square  miles  vs.  32 square miles):   the larger watershed acts
as  a  significant  catchment  of precipitation, which  is  transferred as
runoff  to  that  lake.   Crystal Lake  occupies a  larger  portion  of  its
total watershed  than does Betsie  Lake:   Betsie Lake's  drainage basin-
to-lake surface area ratio  is 627:1 while that of Crystal  Lake  is 2:1.

b.   Tributary  Flow

     There are two  major  tributaries  in the Study Area:   Cold Creek  and
Betsie River.

     There are no continuously recording stream flow  gauges  in the Study
Area within  the Betsie  River watershed.   However, because collection of
stream  flow  data  has   been  intermittent at  several  locations  on  the
Betsie River, approximate hydrologic  characteristics  of  the streams  and
lakes could be derived.

     Cold Creek.   Cold  Creek  is  an intermittent stream that occurs on  a
plateau composed  of moraine  and  outwash plain-  It becomes a  permanent
stream with an average flow of 8.2 cfs (0.23 m /s) at Beulah.   Principal
contributors  to   stream  flow  are  surface water  runoff  or groundwater
input.

     Betsie River.  Fifteen measurements of  stream flow were made during
the National Eutrophication  Survey from October 1972 to  October  1973 at
the outlet of Betsie Lake and also on the  Betsie River  approximately  2
miles above  Betsie  Lake.   These  data plus normalized monthly  and annual
flows  for  the two  stations  were  reported  by EPA /1975).  The  average
annual  flow  was   determined  to be  349  cfs  (9.88 m /s) at  the inlet of
Betsie Lake.

     Outflow from Crystal Lake joins the Betsie River.  Flows  where they
join were  measured four times a year from  1944  to 1950  by the  US Geo-
logical Survey.   Outlet flow was  also measured during 1976 and  1977 by
Tanis (1978).  His  information showed that maximum outlet flows occurred
during and after  the spring thaw  in the  months  of April, May and June.
Minimum  flows,  including  two instances  of  zero flow,  occurred during
December  and January.   Minimum   flow  conditions may persist  through
February  and March,  but the  data were  not  conclusive  on this point.
Analysis of  44  flow measurements  by Tanis (1978) over a  one-year period
indicated that the  average outlet flow was 13.5 cfs (0.38 m  /s).

c.   Lake  Hydraulic  Retention Time

     Assuming complete  mixing, the retention time of a lake is the time
required  for natural  processes   to replace  the  entire   volume  of  its
water.  Betsie  Lake has  a  relatively short  retention time of  about  2
days  (Knutilla 1974) while  Crystal Lake has a far longer retention time
of  63.1  years (Tanis 1978).  Hydrological and morphological  factors —
total  tributary  flow and volume  — account  for the  difference. Table
II-4 summarizes the physical characteristics of these lakes.

                                    54

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                              Table II-4

       PHYSICAL CHARACTERISTICS OF BETSIE LAKE AND  CRYSTAL LAKE
   Parameter




Lake surface area (in acres)




Mean depth (ft. (m))




Maximum depth  (ft.(m))




Volume (acre - ft.)



                 2   2
Drainage area  (mi (km ))




Inflow (cfs (m3/s))




Retention time (years)
Betsie Lake



   250



   6 (1.8)




   22 (6.7)



   1543




   245 (630)




   349 (9.9)



   0.006
Crystal Lake



   9792




   63 (19.2)




   180 (54.9)



   616,896



   32 (82)



   13.5 (0.38)




   63.1
                                   55

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6.   SURFACE WATER  USE AND CLASSIFICATION

     Surface  waters  in the  Study Area,  although  used  primarily  for
recreation,  also  are used  to  assimilate  wastewater  effluent,  harbor
commercial ships  and  pleasure boats,  and provide habitats for  fish  and
wildlife.  These waters are not used for domestic water supply.

     The  State  of Michigan  has  classified uses  of its surface  waters
(Appendix D-l)  and assigned  appropriate classifications to each body of
water.  Water quality standards  for the classifications and uses appear
in Appendix  D-2.   For a lake or stream classified for  two  or more uses,
the more restrictive  standards apply.

a.   Lakes

     Crystal  Lake and  Betsie Lake  are classified  B-I for  total body
contact  recreation.   In addition to swimming areas, both  lakes support
valuable  fisheries  (see Aquatic  Biology,  Section II.D.I).   Further,
Betsie Lake has non-recreational uses, as reported in Table II-5.

b.   Streams

     Some  of the streams in the  Study Area  have been given  multiple
classifications.   As  an example,  the Betsie River  has been classified
C-I,  cold  water fish, and that portion  from the Manistee/Benzie County
line to the outlet stream of  Crystal Lake,  has been further proclaimed a
"natural  river"  under Michigan's Natural Rivers Act (Public  Act 231 of
1970).   Subsequent to  the  Act,  the Michigan Department of  Natural  Re-
sources  established  zoning,  effective June 11,  1977, to preserve  the
values  of  the  natural river  district,  protect  its resources,  free
flowing  conditions   and  water  quality,  and  to  prevent  ecological,
economic or flood damages.  (See Appendix D-3.)

7.   SURFACE  WATER  QUALITY

     A  general  discussion  of changes  in lake water quality may be found
in Appendix  E-l.   In the present  section  the  existing water quality of
Crystal  Lake  is  discussed  first,  followed by a discussion of Betsie
Lake.   Both  discussions are presented in  two main parts.   The  first of
these involves  tributary-related considerations, e.g. concentrations  and
loadings  of  contaminants.  Contaminant  loads  from direct  municipal  and
industrial  discharges   and   from  tributary  background  and  non-point
sources  are  quantified  separately in this part.

     The  second part  of the  discussion  involves lake-related considera-
tions,   e.g.  spatial,   seasonal  and  long-term  trends in   lake  water
quality.   Those  sections deal with dimensional characteristics of lake
chemistry  and biology,  focusing primarily  on major algal growth nutrient
and  phytoplankton* biomass   levels,  because the  latter  materials  are
expected  to  change as  a result  of the proposed  wastewater management
program.
                                    56

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                                  Table II-5
                  NON-RECREATIONAL WATER USES, OF BETSIE LAKE
Type of Use

Wastewater
  Treatment


Wastewater



Harbor2
Habitat
     User(s)

Frankfort City



Elberta



Viking Car Ferry



Tanker "Saturn"

Boat Marinas

Coast Guard

Fish and Wildlife
        Additional Information

Primary treatment plant (Design flow -
0.26 mgd actual flow - 0.266 mgd
Residential and industrial Wastewater)

Primary treatment plant (Design flow -
0.10 mgd actual flow - 0.13 mgd
Residential Wastewater)

Commercial water transport boat from
Frankfort, Michigan to Kewaunee,
Wisconsin

Asphalt tanker

Jacobson's, at Frankfort; Elberta

Mooring facilities near Frankfort

Hunters, fishermen, and non-consumptive
users
   Williams and Works, Crystal Lake Area Facility Plan, 1976.
   By phone, S. T. Sherman (US Coast Guard, BM-2),  1978.
                                      57

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     An evaluation of spatial and seasonal trends in major nutrients for
phytoplankton growth  is  fundamental to an understanding of variation in
plankton population.   In order to determine if changes in water quality
would  result from  the  proposed  sewer project,  the relation  of  these
trends  to  the annual  cycles  in the lake must be  studied.   Inasmuch as
the vertical  distribution of  chemical and biological species is closely
related to seasonal phenomena, spatial and seasonal characteristics will
be discussed  together.   A brief discussion of the biological character-
istics  of  each  lake  and summaries  of specialty studies  (where  appli-
cable) is presented.

a.   Crystal Lake

     Tributary-Related Considerations.   The  average concentrations  of
some water  quality  parameters at the  mouth of Cold Creek (the inlet of
Crystal Lake) during the  summer months of 1969 were 0.07 mg P/l as total
phosphorus and 0.03 mg P/l as orthophosphate,  8.1 mg/1 dissolved oxygen,
and pH of 7.8 (Gannon 1970).

     The average concentration of total phosphorus measured at the mouth
of Cold Creek in 1976-1977 (Tanis 1978) was 0.09 mg P/l, and the average
concentration of soluble orthophosphate was 0.02 mg P/l.   Figure  11-12
presents the  month-to-month variation in Cold Creek's phosphorus levels
from July  1976  to July  1977.   According to the study, the most signifi-
cant  contributions  of  phosphorus   to Cold  Creek  originate   from  the
Village of Beulah and the surrounding  area (Tanis 1978).  Tanis believed
the sources of phosphorus to be:

     o    Beulah's storm water runoff, which  is routed directly to Cold
          Creek

     o    Sediment  carried via  runoff from the  muck soil  adjacent to
          Beulah

     o    Possible leaks  or seepage from the present wastewater disposal
          systems.

     The average  concentration of total phosphorus measured by Tanis at
the outlet  of Crystal Lake during the same period was 0.01 mg P/l, con-
siderably lower than the  level at the  inlet (mouth of Cold Creek).   This
result  indicates that a significant  amount of phosphorus  has  been re-
tained by the Lake.

     In Cold  Creek,  total coliforms range from 900 MPN/100 ml to 11,000
MPN/100 ml,  while  fecal  coliforms ranged from 50 MPN/100 ml to 200 MPN/
100 ml during the summer months of 1969 (Gannon 1970).

     Nutrient Loading Characteristics.  Nutrient  loads to  Crystal Lake
originate  from  its tributary  (Cold Creek), precipitation,  septic tank
leakage and  non-point source  runoff.  The nutrient load from Cold Creek
was  calculated  by  multiplying  monitored river  concentrations by  the
specific  daily  flow  as  given by  Tanis  (1978).    The   focus  of  the
(loading) calculations is on phosphorus because this element is believed
to be the limiting nutrient most likely to be affected by the wastewater
management project.   The Cold Creek flow, phosphorus concentrations and
phosphorus loads are plotted in Figure 11-12.

                                    58

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     29
     20
     IS
     10
n
o
O
   0.07
    0.06
    0.00
O- O.O4
 ~ o.os
a.
w
o
g
    0.02
    0.01
    o TOTAL PHOSPHORUS


    A ORTHOPHOSPHATE
                                             5I.O
 I
 o
 -I

 n

 oc
 o
     s -
     4 -
3 -
     2 -
      I -
          o TOTAL PHOSPHORUS
  FIGURE n-12:  FLOW, PHOSPHORUS CONCENTRATION AND PHOSPHORUS

                 LOADS IN THE COLD CREEK (1976-1977)
                               59

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     Some patterns were observed in the seasonal variation of phosphorus
loads  from  Cold Creek.   Phosphorus loads were  closely correlated with
flow.   During periods  of  high flow,  concentrations  increased  because
higher  non-point  source runoff had increased, and  the associated phos-
phorus  load also showed  a dramatic increase.   From  these  results,  an
average  total phosphorus  load  of 1,533 Ib P/yr  (679  kg/yr)  was calcu-
lated  for  the  period  from July  1976 to June  1977.   The  result also
indicates  that non-point  sources  are important  contributors  to  Cold
Creek's phosphorus load.

     As mentioned earlier, precipitation is a major source of nutrients
for Crystal Lake because the lake's surface area is large in relation to
its drainage  area.  A combination of snow and rainfall samples collected
during the  1976-1977 study (Tanis 1978) produced a mean concentration of
0.032 mg  P/l  as total phosphorus.  The  total  precipitation in the same
period  amounted to  24 inches (61 cm),  according to Tanis (1978).  As a
result, the total phosphorus load due to precipitation during the study
period was  1,690 Ibs P/yr  (767  kg/yr).

     In this  EIS  phosphorus inputs from septic tank systems were calcu-
lated  using  assumptions   developed  by  EPA  (1975):   0.25  lb/capita/
year  of total phosphorus  will leach  from soil disposal  system to the
lake.  In the Study Area,  there are 511 homes within 300 feet of Crystal
Lake  currently  served by  on-site systems, as indicated by aerial photo-
graphs  and  planning  maps.  Using the  unit  loading and  the population
characteristics  derived above,  the phosphorus  input  currently  contri-
buted  from  septic  tank leakage is  approximately 263  Ib/yr (120  kg/yr).

     Phosphorus loads to Crystal Lake  from the drainage area immediately
surrounding the lake were  estimated using regression models developed by
Omernik  (1977)  and  approximated overland runoff flows.  A detailed des-
cription  of  the model  and  the methodology  used in  this  study  are in-
cluded  in Appendix E-2.   The  total phosphorus  load  attributed  to non-
point sources from the  immediate drainage area is 465  Ib/yr  (210 kg/yr).
Table  II-6 summarizes  the  phosphorus loading  levels to  Crystal Lake
together  with the  areal   loading and  percentage loading  for each cate-
gory.
                               Table  II-6
                TOTAL  PHOSPHORUS LOADS TO CRYSTAL LAKE

                     (Ib/yr)         (kg/yr)        (g/m2/yr)       %

Precipitation        1690            767             .019        42.8

Septic Tanks           263            120             .003         6.7

Cold  Creek          1533            695             .017        38.8

Non-Point  Source
 Runoff-Immed.
 Watershed            465            210             .005        11.7
      Total            3951           1792             .044        100.0
                                     60

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     Cold  Creek  and  precipitation have  been  identified  as  the  major
nutrient sources to  Crystal  Lake.   These two sources supply over 80% of
the total  phosphorus  load  to the lake.   The above estimated septic tank
load represents 6.7% of the total load.   Recent data from Kerfoot (1978)
indicate a significantly  lower  phosphorus  load  from septic  tanks  (23
kg/yr).   This  low  level  may be due to the sampling time (November 1978)
when  the  population  was  substantially  lower  than the annual  average
population equivalents.  Nevertheless,  the  septic  tank loads  in Table
II-6 can consequently be considered a conservative estimate.

     Lake Water Quality.   Water quality  data have been collected during
two  extensive  studies  of  Crystal  Lake by  the University  of Michigan
(Gannon  1970)  and  Tanis  (1978),  respectively.  The  earlier study indi-
cated that levels  of some  key water quality parameters such as ammonia,
nitrate, orthophosphate,  and  total  phosphorus in  the open  water were
below the  detection  limits of  the  instrumentation available  at that
time.   The primary  productivity  rate  (at  which  available  inorganic
carbon is  converted to organic material by phytoplankton photosynthesis)
was measured  and  found  to range between  169 to 188  mg  C/m /day.  The
recent survey by Tanis shows that the water quality in the open water of
Crystal Lake is relatively good and may be considered one of the highest
in Michigan  (see  the  key  water quality  parameter values  tabulated in
Table II-7).   Tanis (1978) also reported  the  primary productivity rate
in the  summer  of 1977 at  139  mg C/m /day, which is lower than the rate
measured by the  University of Michigan in 1969.  There is no indication
in any  of  the results  that the  quality of  Crystal  Lake  water deterio-
rated significantly  over the last  seven or eight years and the deterio-
ration  of  open  lake waters,  if  any,  appears to  be progressing  at  a
relatively slow rate.

     Deterioration  of  the  lake has only been  observed  along the shore-
line  in localized  areas where nutrient influx is  a problem.  Concerns
have  become  accentuated along portions  of  the north shore near Beulah
and also along the southwest shore (Tanis  1978).  Growth of algae in the
forms of Cladophora  attached  to  rocks and  other hard  surfaces at the
shoreline  has  been consistently  observed during the summer months.  The
results  of a  special dye  study  to determine  the  cause  of shoreline
pollution  proved  to be   inconclusive  (University  of Michigan 1970).
Recent  results  from  Kerfoot  (1978), who  measured  the  leachate plumes
from  septic  tanks  in Crystal Lake,  indicate nutrient  flux into  the
shoreline  waters.   A high  correlation  existed between  the location of
emergence  of  plumes and attached plant  growth,  particularly Cladophora
(Kerfoot 1978).   Groundwaters obtained near  the  peak concentrations of
the  outflow  of  the observed  plumes  contained sufficient  nutrients to
support attached algae and aquatic weed growth.

     In general, Crystal Lake water quality concerns have not been asso-
ciated  with  public health,  as only  a  few  cases  of colifonn bacterial
contamination  have  been  reported  by the Tri-County Department of Public
Health  (GT-L-BHD)  (Tanis  1978).   By showing fecal coliform levels lower
than  the  200  MPN/100 State Standard,  Kerfoot's (1978)  results concur
with  previous  studies.   Fecal coliform   counts  in  the  surface waters
directly affected  by leachate  plumes were well below the 200 MPN/100 ml
allowable  in total body contact recreational waters.

                                    61

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         Table II-7
WATER QUALITY OF CRYSTAL LAKE
Chlorophyll a
Year (yg/1)
19691
July 3 - July 25
July 25 - July 29
August 19
19762
August 4 0.65 (mean)
September 5 0.29-1.6 (range)
19772
April 30
July 5 0.70 (mean)
Primary Dissolved Oxygen
Productivity at lake bottom
(mg C/m /day) (% saturation)

84 and 68
178
89 and 56

139
102 and 45

100, 100,
and 73
Secchi
Depth
(m)

6.22

5.69 (mean)
4.9-7.0 (range)

6 . 14 (mean)
Total
Phosphorus
(mg P/l)

—



0.006
           Gannon, J.J.  1970.  Crystal Lake water quality investi-
           gation.  University of Michigan, Ann Arbor MI.
          o
           Tanis, F.J.  1978.  Final summary report on Crystal Lake
           water quality study.
                                                                        CM

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b.   Betsie Lake

     Tributary-Related Considerations.   Various water quality parameters
were  monitored  in  the  Betsie River  by  the Environmental  Protection
Agency  (EPA  1975).   The  average  concentrations of  water  quality para-
meters for the Betsie River during the  study period,  the summer of 1973,
were 0.02 mg  P/l total phosphorus, 0.01 mg P/l orthophosphate, 0.057 mg
N/l  ammonia,  0.68  mg N/l  total  kjeldahl nitrogen  (TKN),  0.18  mg  N/l
nitrate plus  nitrite.  According  to the NES study, non-point sources of
nutrients are responsible for significant contributions of phosphorus to
the  river.   For this  reason,  it  was suggested that  point  source phos-
phorus inputs to the Betsie River  and Betsie Lake should be minimized to
the greatest extent practicable (EPA 1975).

     Nutrient  loads  to  Betsie Lake originate  from tributary  (Betsie
River),  precipitation,  surface water   runoff  and municipal  wastewater
treatment plants.   Data  collected in 1972 (EPA 1975) have been analyzed
and loadings have been summarized  in Table II-8 below.  Once again, only
phosphorus  loadings are  tabulated  since phosphorus  has been identified
as the limiting nutrient for algal growth (EPA 1975).
                              Table II-8
             TOTAL PHOSPHORUS LOADS TO BETSIE LAKE (1972-73)*

                              (lb/yr)      (kg/yr)     (g/m2/yr)     %

Tributaries (non-point
 source) Betsie River         14,240        6,460         6.38      51.5

Minor tributaries and
 immediate drainage (non-
 point source)

Municipal STP's

Precipitation

               Total
150
13,200
40
27,630

68
5,990
18
12,530

0.07
5.92
0.02
12.39
*EPA.
0.5
47.8
0.2
100.0
1975
     Data  from  the National  Eutrophication Survey  (EPA  1975)  in Table
II-8 indicate an average total phosphorus load of 14,240 Ibs P/yr during
the period from October 1972 to October 1973.  The Betsie River exerts a
significant  influence  on Betsie  Lake's  condition.   Two  major  point
sources —the Elberta and Frankfort municipal sewage treatment plants --
furnish  another significant  portion  of  the  nutrient loadings  to the
lake.

     EPA  (1975) estimated  that 40  Ibs P/yr  is contributed  by direct
precipitation  to  Betsie  Lake.  This  load  is  relatively insignificant
compared  with  other  contributions.    Other nutrient  sources  of Betsie

                                    63

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Lake  such as  septic  tank  leakage and  industrial wastewater were  not
documented (EPA 1975).

     EPA  (1975)  also estimated the total nitrogen inputs to Betsie Lake
at  701,150  Ibs/yr  of which  588,590  Ibs/yr  is  discharged into  Lake
Michigan.

     Lake-Related Considerations.  Betsie  Lake was  sampled three  times
during the  1972  eutrophication study.   Data were  collected  at one open
water station  at three different depths.  The average water quality can
be  summarized in  terms  of the  following  physical, chemical and bio-
logical  characteristics:   145  mg/1  of  alkalinity;  304|Jmhos  of  con-
ductivity; 1.0 m of  Secchi disc depth; 0.026 mg P/l of total phosphorus;
0.175 mg  N/l  of inorganic nitrogen; and 4.6  (Jg/1  °f chlorophyll a.   As
indicated,  the  open water quality can  be described  as nutrient-rich,
productive and, therefore, eutrophic (EPA 1975).

     EPA  conducted  an algal bioassay to determine the limiting nutrient
for  algal growth.   The  results showed that Besie Lake  was phosphorus-
limited  at the  time  the assay  sample  was collected on September 15,
1972.   The  lake  data   indicated  phosphorus  limitation  in  June  and
November  of  1972 as well (EPA  1975).  Based on this finding, the effort
of  assessing  potential   eutrophication  has  been  concentrated on  phos-
phorus (see Section  IV.A.I.a).

     Because the lake  was monitored only once, it  is not possible to say
how  Betsie  Lake  has changed since the EPA  survey  in 1972.  However, it
is significant to note that the  lake  is  shallow,  has a short hydraulic
retention  time and  a  large drainage  basin-to-lake surface area ratio.
Should point  source discharge to Betsie Lake  be minimized,  the  trophic
status of the lake  would be  likely  to improve  slightly.   If existing
discharges  should   continue  unabated,  the  combined effects  of  lake
morphology  and  hydrology,  non-point  source  nutrient and  point source
nutrient  loads are likely to result in the continued degradation of the
quality of Betsie Lake's  water.

     A list  of studies of water quality of Crystal Lake is contained in
Appendix E-3.

8.   Flood Hazard Areas

     Figure  11-13 delineates  the  flood hazard  areas  located along the
shorelines of  the Betsie  River  and the five lakes  in the Study Area (HUD
1975, 1976).   The areas  delineated show the 100-year floodplain, i.e. a
flood of such magnitude  can be  expected  to  occur with a frequency of
once  every  100 years.  In  reality such a flood could occur at any time.

     The  flood hazard areas along the Betsie River are protected by the
Betsie River  Natural River Zoning Act.  That act  precludes any cutting,
filling or building  on the  land in the floodplain  and requires a minimum
setback distance  of  200 feet.

     Under  the  existing  sanitary  code  and  zoning  ordinances  for the
townships  around Crystal Lake, a minimum  setback distance  of  50 feet
                                    64

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                                                                   LEGEND

                                                            | FLOOD PRONE AREAS

                                                              AREA NOT MAPPED ON OTHER
                                                                  SIDE OF LINE
                                                                                           MILES
                                                                         Source:  HUD 1975.  1976
Figure 11-13:  Flood Hazard Areas of the
               Crystal Lake Study Area

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from the lakeshore is required for any construction  activities.  Because
Crystal  Lake  is  not fed by  any large-volume streams  and  because the
ratio of its  watershed  area  to lake surface  area  is only 2:1, the  flood
hazard  area  is  very  narrow  -- almost non-existent along  parts of the
lakeshore.   Consequently the  50-foot  requirement  is adequate to protect
flood-prone areas along the Lake.
C.   EXISTING  SYSTEMS

     There are three centralized collection and  treatment  systems within
the  Study  Area.   They  serve  the  City  of Frankfort and the Villages of
Beulah and Elberta.   These  systems  have  been discussed in the Facility
Plan and are  summarized in  Chapter  I.  Their location  and the extent of
the areas they serve are shown in Figure  1-3.

     The Townships of Crystal Lake,  Lake  and Benzonia and  the Village of
Benzonia are not served by a centralized  treatment  system;  wastewater is
treated by on-site  systems.   When the  Facility  Plan was prepared, very
little  information  was  available on  the existing  on-site  systems on
which  to  base  an  evaluation  of their  adequacy.   Three  studies were
undertaken during preparation of this EIS to provide  information regard-
ing  the type,  the nature and frequency of problems,  and the adequacy of
these  systems  in meeting the  wastewater treatment needs  of  the Study
Area.

1.   SUMMARY OF DATA ON  EXISTING SYSTEMS

     This  discussion  briefly summarizes  the studies that  were recently
undertaken to  evaluate existing systems.  Results  of these studies are
discussed  elsewhere  in  this  EIS   as   well  (surface   and groundwater
quality, soils analysis).

a.   "Investigation of Septic Discharges  into Crystal
     Lake" (William Kerfoot 1978)

     This  study was  undertaken in  November  1978  to determine whether
groundwater plumes  from  nearby  septic  tanks were .emerging  along the
lakeshore  causing  elevated  concentrations  of  nutrients.   Septic tank
leachate  plumes  were  detected  with  an instrument referred  to  as  a
"Septic Snooper."   The instrument is equipped with analyzers to  detect
both  organics  and inorganic chemicals  from domestic wastewaters; it is
towed  along the  shoreline to obtain a  profile of septic leachate plumes
discharging to  the  surface  water.  Surface and  groundwater sampling for
nutrient  and  bacteria  (surface water  only)  were  coordinated  with the
septic leachate  profile to  clearly  identify the source of the leachate.

     The "Septic Snooper" detected 90 plumes of  wastewater origin  enter-
ing  Crystal  Lake.   This corresponds  to approximately 18%  of  the 500
existing  lakeside systems,  i.e. those  within approximately 300 feet of
the  lake.   The  location  of these plumes  is shown in Figure 11-14.  A
high correlation was  found  between  the  location of the plumes and the
attached   algal  growth.   While  there  is  sufficient  breakthrough of
nutrients  to  the surface water to support algal growth in the immediate
                                    66

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                                                                      LEGEND
                                                              •— ERUPTING PLUME
                                                              o— DORMANT PLUME
                                                              O— STREAM SOURCE PLUME
                                                         j  2  |  SEGMENTS
                                                                                          MILES
                                                                             0        I        2
                                                                           Source:  Kerfoot  1978
Figure 11-14 Plume Locations on Crystal Lake

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vicinity of  plume emergence, overall  lake  water quality has  not  been
significantly impacted  by septic leachate plumes.   Appendix C contains
the Kerfoot study.


b.   "Sanitary  Systems of Crystal Lake, Benzie County,
     Michigan:    An  On-site  Survey"   (University  of Michigan,
     1978)

     The sanitary survey of  lakeside  on-site  systems  in Crystal Lake,
Lake and Benzonia Townships  was conducted during September and October
of  1978.   This  survey  provided  information regarding  the  types  of on-
site systems, the nature and extent of problems  with these systems, and
the nature and extent  of violations of the  existing sanitary code.   The
technical  report  on the  sanitary  survey  is included in Appendix  F-l.
Table II-9 summarizes some of the significant data.

     The results  indicated that  over 50%  of the systems were violating
the sanitary  code.   Despite  the large number of  violations, very few of
the systems  had   recurring problems  with  backups or ponding.  Attached
algal growth  was associated  with  34% of the  homes  surveyed,  although
only about 10% of the  sites  had heavy algal growth.  Heavy algal growth
was most frequent on the northeast shore.

c.   EPIC  Survey  (EPA  1978)

     An aerial photographic  survey  was conducted by EPA's Environmental
Photographic  Interpretation  Center  (EPIC)  to  locate   failing  septic
systems  throughout  the  Study Area  and   to  locate  patches  of aquatic
vegetation along  Crystal Lake.   The results of this study are shown in
Figure  11-15.   Very few surface failures of  septic tank  systems  were
located in the Study Area.   The failures  that  were detected were mainly
in  and  around Benzonia Village.  Photographs indicated  that the north-
eastern and  eastern shores  had the densest growth of submerged vegeta-
tion, although  field verifications  were  not done.   Very little growth
was observed on the northwestern and western shores.

     The  aerial   photographic  survey  was  conducted  during  the summer;
foliage may have  prevented the detection  of some  malfunctioning systems.

2.   TYPES OF  SYSTEMS

     Based on data  obtained  during the   sanitary survey (University of
Michigan  1978),   98% of  the  1,090 residences in the unsewered parts of
the Proposed Service Area are  estimated  to have septic tanks and some
type  of subsurface  absorption  system (ST/SAS).   The remaining 2% have
permits for  holding tanks only.   Fifty-eight percent of the ST/SAS em-
ployed  a  drainfield, 41% employed a drywell and only 1% of the systems
had no  soil absorption system.

     No information is  available on the  types  of on-site systems in use
in  Benzonia.  There are, however,  about  279 homes using on-site treat-
ment systems  in the  Village.
                                    68

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                                                      Table II-9
                  PARAMETERS INFLUENCING SEPTIC TANK PERFORMANCE  ALONG  CRYSTAL SHORELINE AREAS
                                                                                                         «0
                                                                                                      0> ir," O
                                                                                                      $3 $8/13 £81
  n
W ert* O
Lake Shore Area
Northeast
Northwest
Southeast
Southwest
West
TOTAL
/ **
69
61
39
56
24
249
<£*
270
146
188
230
256
1090
I* *
37.6
19.8
15.0**
34.6
23.7
26.1**
/ e?<*
173
(64)
124
(.85)
111
(59)
202
(88)
235
(92)
846
(78)
/ >, C? Sfe.
I cV'5-'
43
(62)
33
(54)
23
(59)
24
(43)
11
(46)
134
(53)
CO^
27
(43)
23
(41)
20
(56)
15
(32)
9
(41)
94
(40)
/ £*> ^
19
(35)
23
(48)
12
(41)
12
(40)
4
(31)
70
(39)
/#0/*fe
47
(69)
11
(18)
18
(45)
19
(35)
1
(4)
96
(34)
/^*
54
(82)
48
(69)
45
(80)
30
(81)
17
(74)
194
(77)
CO^
13
(19)
10
(16)
1
(3)
2
(4)
1
(4)
27
(11)
/#-• "
32
(46)
3
(5)
6
(15)
10
(18)
5
(21)
56
(22)
vO
       * 37% could not be determined
       **Without Beulah

       University of Michigan.  1978.  Sanitary systems of Crystal Lake, Benzie County, Michigan:  An on-site survey.
       Pelston MI.

       Kerfoot, William.  1978.  Investigation of septic leachate discharges into Crystal Lake, Michigan.  K-V Associates,
       Falmouth MA for WAPORA, Inc.

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                                                    LEGEND

                                    o  SUSPECTED  BEDS* OF  SUBMERGED AQUATIC VEGETATION
                                      POINTS WHERE  SEDIMENTS ARE  ENTERING  LAKE  VIA
                                           SMALL  STREAMS  OR DRAINAGE  DITCHES

                                         A FAILING  SEPTIC SYSTEMS  (CONFIRMED)

                                         AMARGINALLY FAILING SEPTIC  SYSTEMS
                                                (CONFIRMED)
                                                        PROBABLE FAILING SEPTIC SYSTEMS
                                                             (UNCONFIRMED)    ,	
                                                                  Source:  EPIC 1978
                                                                               MILES
                                                                               J
Figure jj
Results of Aerial Shoreline Survey,
EPIC 1978

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3.   COMPLIANCE  WITH  THE  SANITARY CODE

     In 1964, GT-L-BHD  issued the  first  sanitary code  for the  townships
along the Crystal Lake  shoreline.   Prior to this, there  were  little  or
no  restrictions regarding  the  construction and use of on-site  systems.
Although the Health Department  began issuing permits  in 1964,  it was not
until  1971   that  site  evaluations  and   installation  inspections were
begun.  Consequently, the  sanitary  code  was not enforced prior to 1971.
In  1972, the  code  was  revised  to incorporate more stringent measures  to
ensure adequate treatment  of household  wastewaters.   Notably,  the re-
visions  provided   for   denial  of  a permit  if  the  site  did  not meet
criteria established for  suitable  soils  and depth to groundwater.   In
addition, the revised code  increased isolation distances between septic
systems and  surface water  from  25 to 50 feet.  The  vertical  distance
between the  drainfield  and  the  high water table was  also increased to 4
feet.  "Selections  from the  Sanitary Code of Minimum Standards" and the
Code are attached  as Appendixes F-2 and F-3 respectively.

     Since the  Health  Department began  performing site  evaluations  in
1972, 44% of  the  sites  in the Proposed  Service  Area  have been found  to
be unsuitable.  A  1978  soils survey conducted by SCS  indicated that 100%
of  the soils  examined were unsuitable.  The discrepancies in  these data
are discussed in Section II.A.3.a.

     At  sites where the   soils  are unsuitable  because  of slow perme-
ability or high groundwater table,  a holding tank permit may be issued
in  lieu  of  a  septic  tank permit.   The  various permits  issued for the
lakeshore townships between 1970 and 1977 are summarized in Table 11-10.
The  trend has  been towards an increased  issuance of  permits for holding
tanks and pump  systems.  Drywell permits are no  longer  granted because
there is an increased potential for groundwater contamination  with these
deeper systems.
                              Table 11-10
              PERMITS ISSUED IN THE PROPOSED SERVICE AREA
                BY GT-L-BHD BETWEEN 1970-1977 INCLUDING
                     REPAIRS AND NEW INSTALLATIONS
                                   Crystal
                    Benzonia        Lake          Lake      Total

Drainfields          103             79            90        272
Holding Tanks          6              6             3         15
Pump Systems           3              2             5         10
Drywells              10             10           	9_        32
                     125             97           107        329

                                                  Crawford 1977
                                    71

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     Because the  1964 sanitary  code  was not  enforced  and because  the
1972 provisions  are even more  stringent,  many of the  existing  systems
are in violation of the sanitary code.  Of  the 249 homes surveyed in the
sanitary survey,  53% did not comply with  regulations.   Violations  fall
into one or more of the following categories:

     o    Septic tank less than 15.3 meters
          (50 feet) to the lake                        11%

     o    Septic tanks less than 15.3 meters
          (50 feet) to the well                        23%

     o    Septic tanks smaller than recommended
          size (septic tank size was not available
          for 37% of the homes)                        41%

     o    Systems with drywells                        40%

     o    Soil absorption systems too small
          to meet regulations (30% have no
          record)                                      39%

     No information  was  available  on violations of the sanitary  code in
the Village of Benzonia.

4.   PROBLEMS  CAUSED BY  EXISTING ON-SITE SYSTEMS

     Despite the fact that more than half the systems do not comply with
existing regulations,  very few  are causing potential  public  health or
water  quality problems.   Where  problems  do  occur they  have  generally
been  associated  with older  systems.   Many of  these were  poorly  main-
tained before  1971  when site inspections were begun.  Many backups were
associated  with  systems that  had  rarely (if ever) been  pumped  or that
had roots  growing in the drywells.  Nearly 80%  of the  systems that are
undersized  are older than 10 years; similarly those older than 10 years
have  more   violations  of  the  distance  requirements  from wells  or the
lakeshore.

     The distinction should be  made between nuisance  or community im-
provement problems  on the one hand, and public health and water quality
problems on the other.  Public health problems may result from recurrent
backups, ponding  of the effluent on the soil surface, and contamination
of  the groundwater  supply  in excess of drinking water standards.   The
existing  systems around  Crystal Lake  have  been  examined  to  determine
whether  they  are   contributing  to  public  health   and  water  quality
problems.

a.   Ponding

     Ponding may  result if percolation of effluent  through the  soil is
too slow, if the  system was installed to close to  the soil surface or if
a high groundwater  table prevents percolation through the soils.
                                    72

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Ponding may  also  result from hydraulically overloading otherwise  suit-
able  soils;  continuous  inundation  of  the  soil may  lead to  clogging.
Only 3% of the systems surveyed have  had problems with ponding  more than
once; these problems may have resulted from  poor maintenance  rather than
unsuitable soils.   The  problems with  ponding  occurred with systems over
15 years  old;  several  of  these had  never been pumped until 1976-1978.

     EPIC, a branch  of  the Environmental Monitoring and Support  Labora-
tory (EMSL),  conducted a survey (1978) to determine surface malfunctions
by aerial  imagery.   Only  two  surface malfunctions were  detected  along
the  lakeshore  (Figure 11-15) but  several failing  systems  were found  in
and  near  the Village of Benzonia.   Soils in the area have a relatively
high  clay content,  which  may contribute  to  ponding  (Leverett  1907;
Crawford  1977).  Some sections  of  Crystal Lake  Township (Figure  11-15),
distant from the lakeshore, had several surface  malfunctions, suggesting
a high clay content in these soils  as  well.

b.   Backups

     Several of the  systems  around  Crystal  Lake have  backed  up on  occa-
sion  as   the  result of hydraulic  overloading, roots growing  into  the
drywell,  pump  failures  or  lack of septic tank  maintenance.  Unsuitable
soils  may cause  backups  as  well,   if  the  effluent cannot  percolate
through the  soil.   Based on results  of the sanitary  survey, 20% of the
existing systems have had backups.   Only about 6% of these backups  could
not  be attributed  to an occasional hydraulic overload or a  maintenance
problem that has since been corrected (e.g.  roots in the drywell  or pump
failure).  The causes of recurring  backups  in 5% of  the  systems is not
clear.  These systems were  generally old, and  information  on  the  size of
the  septic  tank or  soil absorption  system  was lacking.   Most of  these
systems  are  drywells,   although this  may be only coincidental.  Never-
theless,  the data  indicate that recurring problems with backups  are not
common in the Proposed Service Area.

c.   Groundwater Contamination

     In view of the large  number  of septic  tanks using a  drywell as the
soil absorption unit and because  several septic tanks are too close to
the  wells  to  meet  regulations,  there is concern about potential  ground-
water contamination with nitrates.   However, a study conducted  by Gannon
(1970)  (see  Section II.B.4  for more detail) indicated that concentra-
tions of  nitrates  in wells along  the western,  northwestern and southern
shores of  Crystal  Lake  were considerably below the drinking  water  stan-
dard of  10 mg/1.   Only two samples,  taken from adjacent wells  along the
northeastern shore, showed  concentrations of nitrate equal to or  greater
than  the  standard.   The source of nitrates in these  wells  can  only be
assumed  to  be nearby  on-site  systems since no follow-up evaluation of
the wells was reported.

d.   Surface  Water Quality Problems

     Septic tanks do not seem to  be contributing  significantly to  water
quality   deterioration.    Crystal  Lake   receives  a   sufficiently  low
nutrient  input to maintain  an oligotrophic status.  Septic tanks  contri-
                                    73

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bute  a small  percentage of  that  input  compared  to  non-point  source
runoff  (see Table  II-6 and discussion  in Section  II.B.7.a).   Kerfoot
observed that  only  18% of the lakeshore homes were  leaching  detectable
nutrients into  Crystal Lake.   These data indicated  that the  per capita
phosphorus  load  (based on a population of 574 during  November  when the
survey  was  taken) was  0.036  kg/cap/yr (0.08 Ib/cap/yr).   In contrast,
the  National  Eutrophication   Survey  estimated  that phosphorus  loads,
leaching from  septic  tanks into surface waters  generally  average  0.11
kg/cap/yr (0.25 Ib/cap/yr).  Even if this higher load were  realized  from
all  lakeshore  homes,  septic tank leachate would contribute a  maximum of
6.7% of the total phosphorus input to Crystal Lake.

e.   Other Problems

     Other problems exist which do not pose a potential health threat or
the  potential  for  water  quality degradation.    Odors associated  with
septic  tanks  are considered  a nuisance.   However,  this problem occurs
infrequently in  the  lakeshore  townships.   Only six residents  or 2.5% of
those  surveyed in the University of Michigan  sanitary survey  in  1978
complained of odor problems.

     Attached algal growth  (Cladophora) is also a nuisance  problem.   The
growth  has  not been found to be  indicative  of  overall lake eutrophica-
tion;  the  main problem with  the algae is that  the  growth  is aestheti-
cally   displeasing   and  may   interfere   with  certain   recreational
activities.

     Available  data  on  the extent and distribution of Cladophora  vary
depending upon how the survey was conducted.  Results of  a  study  per-
formed  during  the  sanitary survey  indicate  that Cladophora growth  is
associated  with 34%  of the existing homes  and   septic  tanks.   By  con-
trast, Tanis detected  Cladophora growth by aerial photography along  only
5%  of  the  homes (Figure 11-16).  This method can only detect relatively
dense  patches  of growth, while the sanitary  survey  located even slight
patches by visual inspection.

f.    Problems  in   Individual  Sections Around  Crystal  Lake

     The  information  reviewed  above  suggests  that  even though  many
systems  do  not  comply with regulations,  groundwater  and  surface water
quality   are  generally good  and that problems with  existing systems
could be minimized by  proper maintenance.  However,  the various sections
of  Crystal  Lake  are  each unique,  and  their on-site  systems should be
considered  individually.

     Northeast Shore.    Data   presented   in   Table   II-9  (see  Section
Il.C.l.b  above)  indicate  that  the  northeast   shore  has   the  greatest
number of systems that do not meet regulations (62%).  This area is  more
prone  to failure and water pollution problems than other lakeshore areas
for  three reasons:

     o    The  area  has  a  high seasonal  groundwater table  (see Section
          II.B.3) and many systems could not meet regulations even  with
          upgrading.
                                    74

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                                                                    LEGEND

                                                             • SHORELINE ALGAE GROWTH

                                                               OFF-SHORE AQUATIC WEEDBED
                                                                                            MILES
                                                                                       I        2

                                                                              Source: Tanis 1978
Figure 11-16:   Results of Aerial Shoreline Survey,
                July 6, September 5,  1976)

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     o    It is  the  most densely populated shoreline area (38 homes per
          shoreline mile).

     o    It has  the most systems violating the regulations on distance
          to lakeshore and distance to wells (Table II-9).

     Despite the potential problems related to  high groundwater table,
and  the  number  of  undersized systems, only 13% of  the on-site systems
along the northeast  shore have had recurring  problems  with backups and
ponding.  Only  1 of 9 problem systems was less than 10 years old.  Many
of  the  older systems  are undersized  and  were  not  maintained  properly
prior to  1971.    There  were a number  of other systems  that experienced
backups  and ponding  on one  occasion;  however,  these  problems  could
clearly be attributed to poor maintenance or overuse.

     Leaching  of  wastewater-related  nutrients  to  lake  water   is  most
extensive on the  northeast  shore.   Growth  of Cladophora attributed to
the  leaching of nutrients from septic tanks was associated with 69% of
the  homes surveyed along the northeast shore,  although only 24% of the
algal growth was  heavy.   Kerfoot estimated that  34% of the phosphorus
leached from septic  tanks  came from  the northeast  shore (1978).  Poor
soil absorption capacity,  the large number  of homes close to the shore
and  the high  groundwater  table  encourage  the leaching  of nutrients.
However, as  was  mentioned previously, nutrient loads are significantly
less than would  be expected based on NES data.

     Groundwater  quality  along  the   northeast  shore  is  discussed in
Section II.B.4.   It  is unlikely that  drywells alone are responsible for
the  localized nitrate contamination of groundwater observed by Gannon in
1969 (Gannon 1970).   (Two wells indicated nitrate concentrations greater
or  equal to  10 mg/1.)  Drywells make  up  a  large percentage of the soil
treatment units  along  other  parts of the  lakeshore where nitrate con-
centrations  in  well  water  were found to  be  low.   Several factors may
contribute  to  high groundwater nitrate levels;  these include the loca-
tion of septic  tanks  close to the wells, the high groundwater table, and
the  undersized  systems, as well as the use of  drywells.

     Southeast.   Soils  along the  southeast  shore  are generally well-
drained  and more suitable  for on-site treatment.   Of  the  39 systems
surveyed, only  2  had more than  an occasional  problem with backups or
ponding.  There  is no clear indication that  these problems resulted from
unsuitable  soils rather than improper maintenance.  For 59% of the sys-
tems ,  failure  to  comply with  the  sanitary  code results primarily from
widespread  use  of  drywells  and a  large  number of  undersized  systems.
Very few systems violate  the  regulations  concerning  distance  to the
lakeshore since  a privately  owned greenbelt  has  prevented development
close to the lake.

     Despite the large number of drywells  and the fact that 15% of the
systems are  located  within  15.3 meters (50 ft.)  of a well, no wells were
observed with  concentrations of  nitrate in excess  of  4.0 mg/1  (Gannon
1970).
                                    76

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     Although most of  the  homes  are set back at least 100 feet from the
shoreline, dense patches of Cladophora growth are associated with 10% of
the  homes and an  additional  24%  of  the homes  have slight  patches  of
Cladophora growth along the adjacent shoreline.  EPIC (1978) was able to
detect only a few patches of aquatic vegetation, further suggesting that
the  growth  along this  shore  is  generally  sparse.   Kerfoot  (1978)  ob-
served a  high concentration  of  septic  tank  effluent plumes  along  the
southeast shore.  The  nutrient load was, however, very unevenly distri-
buted  (see  Figure 11-16) with most of the plumes coming  from a narrow
unsewered section of Beulah.

     Northwest.  Although 54% of  the existing systems do not meet regu-
lations,   recurring  problems  with  backups  were  reported  for  only  one
septic tank  of  the  61 surveyed during  the  1978 sanitary survey.  A few
additional systems backed  up  on  one or two occasions, but these backups
were clearly associated with poor maintenance or overuse.

     Although  16%  of the  systems  surveyed were  less than  50 feet from
the  lake  and 48%  of the systems were  undersized, Cladophora growth is
scarce along the northwest shore.

     This area has a high seasonal population, which partly accounts for
the  low nutrient  influx and consequently for  the low Cladophora growth
observed  (Tanis  1978;  EPIC  1978;  University  of Michigan  1978).   The
northwest shore  was  found  to contribute 24% of the wastewater-related
phosphorus  load  to  Crystal  Lake.   In  contrast, the  northeast shore,
which  has  20%  less  shoreline,   was  found  to  contribute  34%  of  the
phosphorus load (Kerfoot 1978).

     The northwest shore had the  fewest systems that violate the regula-
tions  concerning  distance  from wells.  Despite  numerous  drywells and a
high percentage of undersized systems groundwater contamination does not
appear to be a problem.

     Western Shore.  Of the systems along the western shore, 46% violate
the  existing sanitary  code.  This area has  the smallest  percentage of
undersized  systems.    However,  based  on  the  sanitary  survey,  only  2
systems  of   the  24 have had  recurring  problems with backups.   The  22
systems  that  experienced  backups  on  occasions  were  generally poorly
maintained;   roots growing in the  drywells were the most prevalent causes
of occasional backups.

     Available data indicate that Cladophora growth is minimal along the
western shore.   Aerial photography detected  only one  patch of aquatic
vegetation on  the  western  shore  (EPIC 1978).   The sanitary survey indi-
cated  that  Cladophora  grew  along  the  shoreline adjacent to  5% of the
homes  on  the western shore but that none  of  the growth was heavy.  Per
capita  phosphorus  discharges  are  lowest  along  the  western  shore;
although  the western shore  accounts  for approximately  9%  of the total
residences,   only about  1% of  the  total  phosphorus  from  septic  tank
leachate comes from this area.  This can be explained by the groundwater
flow  patterns,  which  encourage  septic  tank  effluent from  the western
shore  to flow towards Lake Michigan rather than into Crystal Lake.  (See
Figure II-9.)
                                    77

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     Contamination  of groundwater with nitrates is not a  problem  along
the western  shore  despite the large number of  systems  that  violate the
regulations  concerning  minimum  distance  to  wells  and/or  regulations
concerning use of drywells.

     Southwest Shore.  The southwest shore has the fewest  number of sys-
tems  that are  in  violation of  the sanitary code.  This  area has  the
smallest percentage of drywells, although they still  account  for a  large
number of violations.  Other major violations include undersized systems
and systems located too close to wells.

     While there  have been occasional problems with backups because  of
poor  maintenance  (i.e.,  systems that needed pumping or contained  roots
in the drywell) only  3 systems of the 56 surveyed had recurring problems
with backups or ponding.

     Available  data indicate that  Cladophora growth is prevalent  along
the southwestern shore.  Cladophora growth was observed along the shore-
line adjacent to 34%  of the homes during the sanitary survey, and 16% of
this growth was dense (University of Michigan 1978).   Aerial  photography
detected  several  beds  of aquatic  vegetation  (Tanis  1978;  EPIC  1978).
Housing density is  quite high along the southwest shore  with  35 houses
per shoreline mile  (lakeshore  average is 16 houses per shoreline mile).
Nevertheless,  phosphorus  loadings  monitored  by  Kerfoot  (1978)  were
significantly less  than  those  detected along the northeast shore with a
similar housing density  (2.3 kg of phosphorus per mile on the  northeast
shore compared  to  1.1 kg/mile on the  southwest  shore).   Lower nutrient
loads along  the  southwest shore may be attributed to:   a) fewer systems
close to  the  lake;  b) presence of sandy, well-drained soils  in contrast
to wet  soils  along the northeast; and c) a lower year-round  population.

     Village of Benzonia.  The only data available on the  performance of
septic  tanks in  the Village  of  Benzonia  are  those  from  EPIC  aerial
photographs  (1978).   This  survey detected 5 surface  malfunctions in the
Village.  This  corresponds  to  approximately 2% of the existing systems.
No information  is  available on problems with backups.   While it is pro-
bable that many of  these systems do not meet regulations with respect to
sizing, ponding may be the result  of  poor  soil absorption capacity,  as
well.   It is known that thick  clay  barriers do exist in areas of the
Village and  consequently effluent may not readily percolate  through the
soil.
D.   BIOTIC RESOURCES

1.   AQUATIC  BIOLOGY

a.   Crystal  Lake

     The  low nutrient levels  that  characterize  oligotrophic  lakes  such
as  Crystal Lake  support  very little plant growth.  A  study  of Crystal
Lake water quality conducted in 1969, showed that there were only a few
species  of  aquatic  macrophytes* and that  they were  nowhere  abundant
(Gannon  1970).   At that time bullrush was the dominant emergent aquatic
                                    78

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plant; bullrush  growth was  found  along the  southeastern  shoreline and
less  extensively  along the southwestern and  western shores.   Submerged
plants included chara, water star grass and curly pondweed.  In the area
where Cold Creek  discharges  into Crystal Lake, large  beds of chara and
potamogeton  (pond  weed)  were found (Michgan  DNR,  various  years).   Cold
Creek  receives  high  nutrient loads  from  non-point source  runoff and
leaks  or seepage  from the  present  sanitary systems;  as a  result  it
supports  abundant  plant growth  within its own bed  and  where it enters
Crystal Lake.

     The  filamentous  algae,  Cladophora,   has  been  observed  growing
attached  to  rocks in  front  of  the cottages  along the  shore  of Crystal
Lake.  In Crystal  Lake,  where the nutrient supply is naturally low, the
presence of this growth is a strong indication of nutrient contamination
from localized sources (Tanis 1978; Gannon 1970; Kerfoot 1978).

     Tanis (1978) conducted an aerial survey of Crystal Lake in 1976 and
found  that  about  5%  of  the existing lakeshore  homes had  Cladophora
growth along  the adjacent  shoreline.   The level  and frequency  of the
growth were  reported  to be comparable to that observed in 1969.  Figure
11-16  indicates  that  the  heaviest growth  occurred  along  the northeast
shore.

     In  a  recent sanitary  survey  (University of  Michigan  1978)  the
extent and distribution of Cladophora growth were determined by on-site
investigations, which  permitted  even  slight patches of Cladophora to be
detected.  The  study  indicated  that,  of the  sites  investigated (23% of
the  residences  in the  Proposed  Service Area  around Crystal  Lake), 35%
had  Cladophora  growth although  only  about 11% of the  growth was cate-
gorized  as  heavy.  Table  11-11  shows  the distribution of  growth with
respect to the shoreline area.
                              Table 11-11
                   DISTRIBUTION OF CLADOPHORA GROWTH
                ALONG CRYSTAL LAKE SHORELINE AS PERCENT
                         OF SITES INVESTIGATED

                         Slight        Moderate             Heavy
Shoreline	Growth	Growth	Growth
                                          %oi                   a/
                           —              h                   h

Northeast                 14              31                  24
Northwest                 15               2                   7
West                       05                   0
Southwest                 11               8                  16
Southeast                 24              10                  10

                                   (University of Michigan 1978)
     In  agreement  with Tanis'  study,  growth  was  found to  be heaviest
along  the  northeast shore.   The more frequent  growth reported  in the
                                    79

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sanitary survey  as  compared to Tanis1 survey may have resulted from the
different  survey methods  used  (on-site  survey versus  aerial  survey).

     Several studies have tried to correlate the frequency of Cladophora
growth  with  certain  variables  related  to  septic  tank  performance.
Gannon  (1970)  observed  a correlation between  housing and  septic  tank
density  and  Cladophora  growth.   The sanitary  survey  (1978)  found  that
Cladophora growth  correlated  best with proximity of systems to the  lake
shores,  length  of  residence  (seasonal vs. year round), and  age  of the
system.  The  systems which were installed prior  to 1971  were not re-
quired to  conform  to a  sanitary code and consequently the older systems
are frequently in violation of the existing code.

     Kerfoot (1978) observed a correlation between Cladophora growth and
septic  tank  leachate plumes,   suggesting  that  septic  tanks  are  the
localized nutrient  sources supporting algal growth.

     Studies on  the macroinvertebrate* populations in Crystal Lake  show
a  diversity  of species and  a  surprising  abundance  considering  the
limited  nutrient supply  (Gannon 1970).  Macroinvertebrates are the  main
source of food for  the large fish population in Crystal Lake.

     Such  clean water  organisms  as  the mayfly  nymph,  the  caddisfly
larvae and amphipods were found  in the littoral zone.  Benthic organisms
were very  abundant; at  a depth  of 70 feet, the density of organisms was
100 organisms/ft.   (Gannon 1970).

     Crystal Lake   supports a  large and  valuable  fish population.   The
Lake is  particularly suited to  cold water  species  and has been managed
for game fish  since the  1920s.  The  lake has been stocked periodically
with rainbow  trout, lake trout, brown trout, steelhead and splake.   All
species  were stocked as  recently as 1973 and trout were stocked again in
1975-1976.   Smallmouth  bass,  perch and  largeraouth bass  have  not  been
stocked  since the  1930s  and 1940s (Michigan DNR 1973).  These species do
not thrive as well  as trout in the low water temperatures.

b.   Betsie River

     Betsie River  supports  a  much more abundant and diversified vegeta-
tive population  than does Crystal Lake.  Detritus*  from decaying grasses
and vegetation  along the shoreline  supply  the  river with nutrients for
plant  growth.   Dense filamentous algae and weed beds have been observed
at  various  stream  segments   (Michigan  DNR  1973).   "Clean  water"  in-
vertebrates  such  as caddis  larvae,  mayfly larvae  and  crustaceans are
natural  food  sources for the  fish population as are the more population
tolerant worms  (Michigan DNR  1973).

     The Betsie  River  is a popular year-round sport  fishing stream.   The
river  is an spawning stream  for trout,  chinook salmon, coho and steel-
heads  (by telephone,  Tom Doyle, Michigan  DNR, November  1977; Michigan
DNR  1973).  A  1965 stream survey  (DNR)  showed a  diversified resident
fish population.   Appendix Table G-2  shows  fish species  collected during
this  study.   The   warm  temperatures in  the  Betsie River  do  not favor
trout, but several species  of coarse  or rough fish  are present.
                                    80

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c.   Betsie Lake

     No information on the  aquatic  biology of Bestie  Lake  was  available
other than the  records from the Michigan Department of Conservation  on
fish  stocked  there.  Brown trout  and rainbow  trout were  stocked  in
Betsie lake in 1972.

2.   WETLANDS

     Wetlands  are highly productive but  fragile  ecosystems,  where  flora
and fauna require saturated or seasonally saturated soils  for growth and
reproduction.   Figure 11-11  shows the  location of wetlands in the  Study
Area.  Wetlands  are found  along  the  Betsie River, along  the  shores  of
Round Lake  and in  an  area northwest  of  Long Lake.  No wetlands  exist
along  the  shoreline of  Crystal  Lake.  Wetland  formation  is  probably
deterred here  by wave action and the scouring action of  ice.

     The wetland  types  in  the  Study  Area are mainly wooded swamps and
cattail marshes.  These  wetlands  are  characterized in Table 11-12  with
respect to flora, fauna  and their location.

     In natural  resource production and preservation wetlands  serve  to
assimilate pollutants by acting as  settling and/or filtering basins and
to  collect sediments as  a result  of  their  shoaling*  characteristics.
Wetlands also  act as a  natural buffer  against  water quality  problems
associated with shore development.   Furthermore,  wetlands  serve as  flood
water  retention areas and also  as prime natural recharge areas for
groundwater.

     Wetlands  are currently  afforded Federal protection under Executive
Order 11990, which mandates that no  construction project granted Federal
funds may  adversely affect  wetlands  unless  reasonable alternatives  do
not exist.

     In the State of Michigan wetlands  are under the jurisdiction of the
Department of Natural Resources.  The  extensive wetland areas along the
Betsie  River  are protected from  certain types  of development by the
Betsie River Natural River  Zoning Act (Appendix D-3).   Several Michigan
laws, including the  Inland  Lakes  and  Streams Act,  and  the Soil Erosion
and Sedimentation Control Act,  also  protect wetland areas.

3.   TERRESTRIAL BIOLOGY

     As a  result  of agricultural  and  residential expansion,  the present
forest consists largely of second- or  later-generation sugar maple,  elm,
yellow birch,  beech  and  basswood; it  also contains a  variable admixture
of  hemlock and white pine  throughout, as well as  occasional  stands  of
aspen  and  birch.   Stands  of red pine have been  planted  in  some  open
areas and abandoned fields (Michigan DNR 1973).

     Wildlife   in the area provides  many hours  of recreation  for the
hunter, sightseer and naturalist.   White-tail deer, cottontail rabbits,
                                    81

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                                       Table 11-12

              CHARACTERIZATION  OF WETLAND AREAS  IN THE CRYSTAL LAKE STUDY AREA
Wetland Type


Wooded Swamp
Location
banks of the
Betsie River
Flora
black oak, red
maple, spruce,
larch balsam,
willows, alders
Fauna
beaver, muskrat, mink,
rabbit, grouse, woodcock,
white tailed deer, wood
ducks, black ducks, blue-
wing teal. Suitable
habitat for bald eagle.
Cattail Marshes
shore of Round
Lake, Northwest
characterized by
emergent vegetation
such as cattails,
bullrushes, arrow-
heads, sedges and
grasses
muskrat, beaver, shore-
birds, wading birds, mal-
lards, black ducks, wood
ducks, several small
mammals; also a suitable
habitat for the bald eagle.
CM
oo
                                                                      Michigan DNR.  1973.  Natu-
                                                                      ral river report:  Betsie
                                                                      River.

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ruffed grouse and woodcock  are  common,  especially in the lowland  brush
and coniferous areas along the Betsie River.   Beaver,  muskrat,  mink,  and
other small  mammals have been  observed  along the entire length of  the
Betsie River.   Squirrels,  chipmunks, woodchucks,  and an occasional  red
fox occupy the  woodlands  and  open fields above the Betsie  River.  Many
species of  small  rodents such  as  mice  and voles inhabit both lowlands
and uplands of the Study Area.

     The many streams and  lakes offer numerous stopover  points for both
ducks and geese on their autumn and spring migrations. There  is a  resi-
dent  flock  of Canada geese  near Elberta; mallards,  black  ducks,  blue-
wing  teal, wood ducks and coots are other common  waterfowl  hunted  along
the  entire  Betsie  River (Michigan  DNR 1973).   A  list  of vertebrates
whose ranges include the Study Area is provided in Appendix  G-l.

4.   THREATENED  OR ENDANGERED  SPECIES

     Michigan has  an active  endangered  and  threatened  species program
complementing that  of the Federal  government and  has  published lists of
animal and plant  species  it would classify as endangered or threatened.
Michigan Public Act 203  of 1974, provides protection for  species classi-
fied  Endangered*  or Threatened* on the  Federal list  or  listed and con-
firmed for protection by  the  State.  The Act authorizes  a  full range of
conservation  management programs  for these  plants  and animals.    The
Michigan program  recognizes two other categories  -- rare or scarce,  and
peripheral — but species in these categories have no  legal  status  under
the Michigan  Act  (Michigan  DNR 1976).  A list of  Endangered,  Threatened
or rare species of  wild flora and  fauna  that  occur or may  occur in  the
Study Area is included in Appendix G-2.

     No species of  fish,  reptiles,  or amphibians known  to  occur in  the
area  has  been  classified by  either the US  Fish and Wildlife Service
(FWS) or the DNR as Endangered or Threatened  (by telephone,  Mr. Bernard
Ylkanen, District  Fisheries Biologist,  DNR,  Cadillac Division,  26 June
1978).

     Although no  mammalian species  in  the area has  been classified by
the  State  or FWS as Endangered  (by letter,  Mr. Robert Huff,  District
Wildlife Biologist, DNR,  Cadillac  Division,  5 July  1978; FWS  1978),  the
Study Area lies within the range of several species  of mammals listed by
the  State  as Threatened  or rare.    According  to  Mr.  Huff, some of  the
smaller birds and mammals on the Michigan list may occur  occasionally in
this  area,  but up-to-date  population data are not available  for  these
species.

     There is an  active bald  eagle nest on the headwaters  of  the Betsie
River,  and  an  active  osprey  nest  nearby  in Grand Traverse  County.
Neither nest  is in  the  Study Area,  but  the  birds may find  prey in area
waters, which are  in easy flying distance.  Both species are  classified
by FWS and  DNR  as Threatened.  The area is also within the  range of  the
peregrine  falcon,   classified  as Endangered,  which  may visit  on rare
occasions.
                                    83

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     The  Study Area  lies within  the range  of  several  plant  species
classified by  Federal  and State agencies as Threatened.  They were not
identified  during on-the-ground  surveys conducted  in 1977  and  1978.
However,  local  residents  have  identified and confirmed the  existence of
three  such  plant species  in  the Study Area --ram's head lady slipper,
pitcher's thistle,  and  broom   rape  (by  telephone, Mr. Rick Habert and
Mr. Arvid Tesker,  Frankfort City,  Michigan,  7  August 1979).   Because
there  is some  danger in  disclosing  the locations of rare plants the
sites  have  not been  publicized.   However,  the  habitats  of these  rare
plants are outside any proposed construction area.

     Failure to observe most  of  these species during the  surveys  does
not  dispel  the possibility of their presence  in the Study Area.  The
Michigan Endangered Species Program is presently engaged in  inventorying
and mapping endangered, threatened,  and rare animal and plant  species in
the  State.   If this,  or  other studies should reveal the presence  of  a
listed  species  during  on-the-ground investigations,  the  appropriate
protective provisions  of  Federal  and State  laws would come  into  effect.
E.   POPULATION AND SOCIOECONOMICS

     The existing information on population, employment,  income,  poverty
level,  and housing  has  been  published  separately  for each  municipal
jurisdiction in the Study Area.  Taken together,  these data describe  the
"Socioeconomic  Study  Area," an  area  that  is  somewhat larger than  the
Study  Area.   The  "Proposed Service  Area," which is  made up of  those
areas  proposed  in  the Facility Plan  for  sewering, is  also smaller than
the  Study Area, covering only portions  of the  three Townships  in  the
Study  Area,  Lake,  Crystal  Lake  and  Benzonia  (see Figure  1-4).   Conse-
quently,  the  published  information  cited  in  this   section  generally
describes, but  cannot  precisely  reflect  characteristics of  the actual
populations  of either  the  Study  Area or  the  Proposed Service  Area.

1.   POPULATION

a.   Historic  Trends

     Historic trends  in permanent (year-round) population for the Socio-
economic  Study  Area  and  for Benzie County as a whole are  presented by
decade  from  1940  to  1975 in Table  11-13, which  reveals  that 87% of  the
population  growth  in the County during  this  period  took  place in  the
three  townships of the Socioeconomic Study Area.  The  region approxi-
mating  the Proposed  Service  Area had an average annual growth  rate of
1.4%,  with  the highest  absolute  change  in population   occurring  in
Benzonia Township.

     More  recently,  between  1970  and  1975,  average  annual rates  of
growth of  the  permanent  population of  some political  units  of  the
Crystal  Lake Study Area  have been higher  than 1.4%, illustrating  the
increasing popularity of Crystal Lake as a year-round residential area.
The  exception  was  Crystal  Lake Township,  which  showed almost  no  net
change  in permanent population in that period.
                                    84

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oo
                                                      Table 11-13

                                              PERMANENT POPULATION TRENDS
                                                      (1940 - 1975)
                                                                           Historical Average
                                                                           Annual Growth Rate
                                                                                           Absolute Change
                                                                                            in Population
Area
Benzie County
• Benzonia Township*
(excluding villages)
- Benzonia Village*
- Beulah Village*
• Crystal Lake Township*
- Frankfort City
- Elberta Village
• Lake Township*
1940
7,800
1,576
340
378
421
1,642
617
102
1950
8,306
1,848
407
458
426
1,605
850
222
1960
7,834
1,847
407
436
450
1,690
552
259
1970
8,583
2,071
412
461
534
1,660
542
377
1975
9,870
2,599
484
542
537
1,823
498
452
(1940-1975)
0.
1.
I.
1.
0.
0.
-0.
4.
67%
46%
01%
03%
69%
3%
61%
35%
1940-1975
2,070
1,032
144
164
116
180
-119
350
*        rLr^8!^? ^S6ly *PPrXimate the Pr°p0sed Sewer Service Area'
  growth rate of 1.43% with an absolute change in population of 1,806.
                                                                                        area had an average annual
                                                                US Census of Population 1940, 1950, 1960, 1970.

                                                                US Census, Current Population Reports (Series
                                                                   P-25) May 1977.

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     There are no data available on the seasonal population of the Study
Area before  1972.   In  that  year,  it was estimated that the  Study Area
attracted over  6,200  seasonal  residents.   This population  grew to 8,300
in  1975   (Wilbur  Smith  and  Associates 1973;  Grand Traverse Area  Data
Center 1975,  1977),  reflecting an average annual growth rate  of  almost
10%.  Of  the  1975  total, 48%  of the  seasonal  population  resided  within
the Proposed Service Area.

     The  permanent/seasonal  population split  varied  considerably among
jurisdictions.   Frankfort City,  Elberta Village  and Benzonia Village
were each composed  almost entirely of permanent population.  Lake Town-
ship and  Crystal Lake  Township,  on the other hand,  had large  seasonal
populations,  89% and 82%, respectively, of their total in-summer popu-
lations,  plus  the  highest  increases  in  absolute  numbers.  These  in-
creases underscore  the  attractiveness  of  the two  areas for  recreation
and second-home development.

b.   Population Projections

     The  assumptions  and methodology used in  preparing the projections
for the Proposed Service Area  are provided in Appendix H.   The popula-
tion projections are based on historic housing and population character-
istics and  trends.   Other factors that influence actual growth,  such as
aesthetics,  availability  of  services  and  housing  sites, changes  in
housing types, and regional economics, were not incorporated.

     The total  in-summer population of the Proposed Service Area  in the
year 2000 is  projected to be  approximately 12,500, a 47%  increase over
the 1975  figure.   The average  annual growth rate for the  28-year  period
from 1972 to  2000  is expected to be 1.5%, slightly higher  than the his-
torical rate  of 1.4%.   The  largest absolute  increase in  combined per-
manent and seasonal population is projected for Crystal Lake Township —
nearly  2,000  additional persons  or  83%  by 2000  —  while  Benzonia
Village,  Beulah Village  and the  City of Frankfort are expected  to in-
crease by only  10-20% in  that time.

     Summary  estimates  of permanent and seasonal population and average
annual growth rates  for the  years 1975 to 2000 for the Proposed Service
Area are  presented  in Table  11-14.  This  information is given by minor
civil divisions in Table  H-2 in Appendix H.

                              Table 11-14

               POPULATION PROJECTIONS AND AVERAGE ANNUAL
       GROWTH RATES FOR CRYSTAL LAKE PROPOSED SEWER SERVICE AREA

Population                         Average Annual      Absolute Change
Component	1975    2000    Growth Rate (1975-2000)  (1975-2000)

o Seasonal      4,098   6,742          2.0%                 2,644
o Year-round    4,420   5,748          1.1%                 1,328
o Total         8,518  12,490          1.5%                 3,972
                                    86

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     Because the various  communities  within the  Proposed Service Area
are not expected to  grow  at  equal rates,  each locality's percentage of
the total population will change  slightly  over this period.   Also, for
the entire Proposed Service Area,  the proportion of  permanent population
is projected to decrease  from 52%  of the 1975 total  in-summer population
to 46% in the year  2000.

     In summary, all the communities are  expected to  grow  during the
planning  period.   Population  growth will  be  greatest in  those com-
munities that are presently  the most populous.  However, the 1975 dis-
tribution  of  population within   the  Proposed   Service Area  is  not
projected to change  greatly  by  2000, and the permanent/seasonal popula-
tion split  and the  relative  size of the  population in each community
will change only slightly.

2.   CHARACTERISTICS OF THE  POPULATION:   EMPLOYMENT AND INCOME

a.   Permanent  Population

     This  section  presents   information  on the  income  levels, poverty
population,  elderly  population  and  employment  characteristics  of the
Study Area.   These characteristics were chosen  because of their  rele-
vance to  the financial impacts  of wastewater  treatment  alternatives on
households in the area.

     The Crystal Lake Socioeconomic Study area  is  characterized by  rela-
tively low  income  levels  for the  permanent  population.   The mean  family
income was $9,163 in 1970 in  the Study Area  and $8,659 in Benzie County,
75% and 71% respectively, of the  mean income for  the State of Michigan.
In that year,  the  most recent for which data  are  available, only  37.8%
of the families  in  the Study Area had incomes  over $10,000, as compared
to 57.1%  of families in  the  State (US Census  1970).  Despite the  rela-
tively  low  income  level  in  the  Socioeconomic Study Area,  however,   a
comparatively  small  proportion  of the population fell   below Federally
established  poverty  levels   --  6.0%  as compared  to 7.3%  of  the  State
population  (Table 11-15).  An important factor in the income levels of
the area  is its predominantly  rural  character and relative remoteness
from large employment centers.

                              Table 11-15

                     POVERTY  STATUS-FAMILIES 1970

                         Number  of Families      Percent  of Families
	Area	        Below Poverty Level    Below Poverty Level

Michigan                      160,034                  7.3
Benzie County                     245                  11.2
Study Area                        102                  6.0
Benzonia Township                  43                  4.3
Crystal Lake Township              12                  9.9
Frankfort City                     42                  8.9
Lake Township                      5                  4.9

US Census of Population and Housing, Fifth  Count  Summary Data,  1970.
US Census of Population - 1970,  Supplementary Report issued December
1975.
                                   87

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     Retirement  population (age 65  and  over)  made up 17% of  the  Study
Area's  population in  1970, as  compared  to 8% of the State  of Michigan
(Department  of  Commerce, Bureau of Economic Analysis 1970).   Many per-
sons  in this retirement age  group are living on low or  fixed incomes.

     Service  occupations  have  represented a  steadily increasing pro-
portion of Benzie County employment since 1950.  By 1970,  such vocations
formed  the  largest  employment sector,  accounting  for  28.3% of  all
employed  persons.   Increases  in the  service  and retail trade sectors
have been the response to  the growing importance of tourism in the  area;
much of  the  total retail  sales in Benzie County have been attributed to
the  tourist  industry.   Tourist expenditures  as  a percentage  of retail
sales  grew  from 26%  in  1967  to  45% in  1972 (Michigan Department  of
Commerce  1975).   Employment  in agriculture has  declined since 1940  to
only 7.2% of the labor  force in 1970.   The only large industrial  plant
in the Study Area is Pet,  Inc.

b.   Seasonal  Population

     Most  seasonal  residents in the Crystal  Lake  Area  appear  to come
from  other parts of Michigan.   A  survey  of  summer  visitors  to Benzie
County by the Data Research Center  (1978) indicated that 64.3% came from
southern  Michigan,  10.1% came  from Canada, 13.0% came from  Great  Lakes
states  other than Michigan, and 5.8% came from other areas.   The survey
also  indicated   that  most seasonal visitors come to  the  area regularly
and  that  the aesthetic  quality of  the area,  its  location convenient to
metropolitan  centers in  southern Michigan, and the  presence of friends
and  relatives are major attractions  (by telephone,  Nancy Hayward, Data
Research  Center, February 1979).    Establishment of the Sleeping Bear
Dunes National Lakeshore Park has contributed to a large recent increase
in  seasonal  use of the  area  and is expected to bring about further in-
creases in the near  future.

     No  direct  data on  the age, income, or occupational characteristics
of  summer residence  owners  in the Study Area  or Proposed  Service Area
are  available.   The value of the  seasonal  homes  in the  area  (generally
in  the $50,000  to  $60,000 range in  1979)  indicates  that most seasonal
residents  are  upper  or upper middle  income.   From  the limited data
available,  it  appears  that  seasonal residents  generally  have  higher
per-family and  per-capita incomes  than permanent residents of the area.

3.   HOUSING

     In 1970,  the Crystal Lake Socioeconomic  Study Area contained 3,647
dwelling  units.   Of these units,  1,946  (53%)  were  occupied  year  round,
and  1,701  (47%)  were occupied on a  seasonal basis.  More than  82%  of the
permanent dwellings  in  the Study  Area  were  owner-occupied  in 1970 and
over half (55.6%) were  built before  1940  (Table  11-16).   Median  values
of permanent residences  in Benzie County were  considerably lower than in
the  State  of Michigan in 1970:  $10,882 vs. $17,589.  These lower  values
reflect the  rural nature  of  the area,  the age of the permanent housing
stock,  and the  lower level of family  income.
                                    88

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                          Table 11-16

HOUSING CHARACTERISTICS OF THE SOCIOECONOMIC STUDY AREA (1970)



                               Number               Percent

 Total Dwelling Units          3,647

 Permanent                     1,946                 53.3

 Seasonal                      1,701                 46.6

 Of the Permanent Units:

    Occupied Units             1,574                 80).,9

    Vacant Units                 372                 19.1

 Of the Occupied Units:

    Owner-Occupied             1,304                 82.8

    Renter-Occupied              270                 17.2

 Age of Permanent Housing
   Stock:

    Built after 1965             184                  9.5

    Built between 1939 and
      1964                       680                 34.9

    Built before 1940          1,082                 55.6
    US Census of Housing.   1970.   Summary Data.
    US Census of Housing.   1970.   Fifth Count Summary Data.
                               89

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     Dwellings outside  presently  sewered  areas were counted from aerial
photographs in 1976.  The count revealed that there were 1,093 dwellings
in the presently  unsewered  parts  of the Proposed  Service Area  and that
about 500  or 46%,  of these  were  within 300 feet of Crystal  Lake.   The
study also  indicated that  there  were  about 100 vacant lots  within 300
feet of the Lake which  could be developed with septic tanks.

     Despite  continued  county-wide  growth,  in the  four years  from 1974
to 1977  issuance  of septic  tank permits for the  Crystal  Lake area fell
26% from the  previous  four  years (Health Department 1977).   Reasons for
this change have  not been explained but it is  presumed to be due to the
more stringent permit requirements implemented in 1972.

4.   LAND  USE

a.   Present Land Use

     Current  use  of land in the Study  Area is shown  in Figure 11-17.
Major uses include  the  following:

     o    Small urban  centers, including the  communities of Frankfort,
          Benzonia,  Beulah,  and Elberta with a core of residential and
          commercial uses

     o    Single  family seasonal  and permanent residential  areas around
          Crystal Lake,  Lake  Michigan,  Long Lake, and along major roads

     o    Agricultural  areas devoted to row crops and orchards

     o    Woodlands

     o    Open  land  consisting  of  wet  woodlands, wetlands and  sand
          dunes.

     The patterns of non-agricultural  development in  the  Crystal Lake
region  have  been  shaped  by  a  combination  of   topography,  aesthetic
amenities,  transportation  and such characteristics  of  the soils  as
slope, drainage and permeability which determine the suitability of land
for development.   Outstanding recreational  opportunities  and scenery —
lakes, streams, woods and hills — have stimulated considerable residen-
tial development.   Although  building to the north  and  south of Crystal
Lake is  limited  by steep slopes to a single tier in some  locations, off
the  Lake there  are grid patterns  of  development  on  the  rolling sand
dunes west  of Crystal Lake  and in the  Village of Beulah at the eastern
end.

     Most  commercial areas  are  in  village centers  or along  the main
highway, US 31.   Commercial  development  elsewhere  includes  local con-
venience  stores  such as  groceries  and tourist-oriented  facilities in-
cluding  lodging.    Industrial  areas  occupy  a small  portion  of  the Pro-
posed Service Area  along US Route 31.  The largest industrial establish-
ment in the area  is Pet, Inc.
                                    90

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                                                 LEGEND

                                               COMMERCIAL/INDUSTRIAL

                                               SINGLE FAMILY RESIDENTIAL

                                               AGRICULTURAL, OPEN  SPACE, OR LOW
                                               DENSITY RURAL RESIDENTIAL
                                         Source:  Williams and Works,  et al.
                                           1976.  U.S.G.S. Aerial Photos
                                            5/8/76, 1-111, 1-105.  U.S. Geo-
                                             1'ogical Survey, Topographic map
                                              map, 15 minute series,
                                               Frankfort Quadrangle, ^^^^^^
                                                1956.                I
                                                                 MILES
                                                                	1
                                                                    2
 SLEEPING  BEAR
 DUNES NATIONAL
Vj-AKESHORE  PARK
Figure H-17: Existing Land Use of the
             Crystal Lake Study Area

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     The greatest potential for future commercial development within  the
Proposed Service Area  exists  along the land adjoining the access  routes
between the Sleeping Bear Dunes National Lakeshore Park north of Crystal
Lake and  the more populous areas  to  the south of the  Study  Area.   In-
creased  tourism  in the  Lakeshore  Park  and  expanding  permanent  and
seasonal populations are  expected  to  swell the volume  of  traffic  along
US Route 31  and Michigan Routes 22 and 115.  The area also includes  the
Betsie  River,  designated "a  natural  river" by  the  State  (see Section
II.B.I, II.B.6 and Appendix D-3).

b.   Growth Management Policies and Regulations

     Development within the Study  Area is regulated by  State, county,
and  local  ordinances.   The  most important regulatory measures affecting
development in lakeshore areas are:

     o    The  Inland  Lakes  and  Streams  Act,  Michigan  State Act  346
           (1972);

     o    The Soil Erosion and Sedimentation Control Act,  Michigan State
          Act 347 (1972);

     o    The  Comprehensive  Development  Plan  for  Benzie County;  and

     o    Zoning ordinances for the Townships  of Benzonia, Crystal Lake
          and Lake and  the Village of Beulah.

     The  Inland Lakes  and  Streams Act  sets general  guidelines and  re-
quires persons wishing  to build on submerged lands, i.e.,  on areas lying
below  the  ordinary high  water mark,  to obtain a  permit.   Should  it be
necessary, DNR may sue  in the  circuit court of the appropriate county to
enforce compliance with the terms of the permit.

     Under the Soil Erosion and Sedimentation Control Act, all construc-
tion activities  that  would disturb one  or  more  acres  of  land, all con-
struction  activities  within 500 feet  of the  shore of  a  lake,  river or
stream, and  any construction  activity  that would cause sedimentation in
surface  waters  are  regulated through  a permit   system administered by
designated  county  agencies,  in this  case the Benzie  County Community
Development Department.  The  Act  imposes limitations upon tree cutting,
removal  of vegetative  cover,  and  cut  and fill  operations.  Mitigating
measures  to  control runoff from   construction sites must  be taken,  and
designated  officials  may enter  and inspect sites at reasonable  times.
The  DNR must  conduct  an  on-going  appraisal  of soil erosion  control
programs to ensure  compliance; a permit may be revoked upon a finding of
a  violation  (R 323.1704 Permit Requirements, Rule 704(1), Michigan 1974
Annual  Administrative  Code  Supplement).

     The Comprehensive  Development Plan for Benzie County classifies  the
following  types  of  areas  as environmentally sensitive:

     o     Excessive slope areas
     o     Dune  formations and  major sand areas
     o     Areas  with other  soil limitations
                                    92

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     o    Marshland areas
     o    Riverine areas
     o    Lake Michigan and inland lake shorelines.

     In the Plan,  these areas were combined into a "zone" that traverses
other land use boundaries.   Although this special critical area designa-
tion  does  not dictate  how land may  be used, it does  set restrictions
that must be considered in planning any future developments.   In any en-
vironmentally sensitive areas already under development, the  Plan stated
that  new  development must  be  designed to  minimize  impact  on environ-
mental quality.

     In the County's Plan,  most of the land surrounding Crystal Lake was
designated as  medium density residential.  This  category set expansion
areas  of  "suburban" density  for  major growth centers  based on antici-
pated population  levels  for each  village or area.  A range of densities
from  1 unit  per  3  acres  to  1  unit per acre  (near  the major  growth
centers) was established for these developmental buffer areas, which are
intended to  provide adequate  land for single  family  development  of  a
lower density  than  in  villages without encouraging the spread of higher
densities into the rural areas of  the County.

     Most  of  the  remaining  land  in the Study Area, largely rural, has
been  designated   rural/agricultural  density residential.  Densities  in
this  category  were  set still lower —  at  less  than  1  unit per 3 acres.
These  densities   are  designed  to discourage  haphazard  development  of
prime  agricultural  latids and  to  encourage denser development near the
villages, which often already have public services.

     Benzie County  allows  townships and villages to adopt local zoning
ordinances  which  support  county  zoning within  their  jurisdictions.
Varying  ordinances  are  in  effect in  Benzonia  Township, Crystal  Lake
Township,  Lake Township  and  the  Village of  Beulah.   The  only zoning
district  common   to  all areas  is  the one-family residential district.
Even  within  this  district minimum  lot  sizes,  shoreline  setbacks, and
permissible uses  differ (see  Table 11-17).  Furthermore,  Crystal  Lake
Township allows  only  single  family dwellings and  accessory buildings,
but  harvesting of  forest  products  in  residential  areas  is permitted.
Lake  Township also  allows  churches, schools,  and  non-commercial re-
creational facilities  in  residential  areas.   Benzonia Township  is the
least  restrictive of the local jurisdictions:  allowing multiple-family
dwellings, resorts  and tourist homes in  residential areas.   The varia-
tions  among  township  ordinances   present possible  problems  in  future
planning  and   provision  of  sewer  capacity in  the  Crystal   Lake  area.
Provision of  sewers  might  attract condominium type development to those
areas in which it is permitted.

     The variations  among the townships'  definitions  and allowances of
uses may present a problem in future planning for the Crystal Lake area.
It may be necessary for the townships to coordinate their growth manage-
ment  activities in  order to ensure that continuing development activity
will be consistent with established water quality objectives for Crystal
Lake.
                                    93

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                               Table 11-17
                  MINIMUM SHORELAND ORDINANCE STANDARDS
Township

Benzonia



Crystal Lake
Lake
  District

Residential
Agricultural-
Residential

Residential
Commercial-
Resort
Summer Camp-
Recreational
Retail

Residential
Lot Size
(Sq. Ft.)

  6,000
  6,000
  8,500

  5,000
  Building Setback
from Shoreland (feet)

Front Building Line*
          5

          5

          5
          5
 15,000
 *Front  Building  Line is defined  as  the average distance  from the lakeshore
  to  the front  wall or portions thereof of all dwellings  fronting on the same
  lakeshore, which are within  100 feet of both sides of the proposed building.
                                     94

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c.   Recreation

     The  Crystal  Lake  area  is  a  well-established  recreational  center
based upon diversified scenic and sports amenities.   Crystal Lake  itself
is  a center  for sailing,  water  skiing,  fishing  and  swimming.    Lake
Michigan is also a water sports center.   Betsie Bay is a marina for Lake
Michigan  craft  and  is  the  site of the historic Betsie  Bay Lighthouse.
The  Platte River, just  to the north of the  Proposed Service Area is an
outstanding salmon  fishery.   A variety of non-water based recreational
opportunities  are also  found  in  the  area.   These  include  facilities
based  on the  rolling  topography  of the  area and  manmade sightseeing
attractions.    Crystal  Mountain Ski  Resort  attracts winter  visitors,
while  the annual National   Soaring  and Gliding  Festival  at  Frankfort
attracts  summer visitors.  Other tourist  attractions include tours of a
paper  factory  and a  pottery factory.  Benzonia, Beulah,  and Frankfort
have a  total  of 14  motels (Western Michigan  Tourist Association  1978).

     The  most  important factor  in future recreational  development and
tourist visitation to the Crystal  Lake area  is the Sleeping Bear Dunes
National  Lakeshore,  located immediately north of  the  Proposed Service
Area.   The National  Lakeshore  was  first proposed in 1950 and designated
by  Congress  in 1970.   The  Park was formally  established  in 1977.   The
Park is  still  in its early  stages of  development,  and much of the land
within the Park boundary is still privately held.   The establishment and
development of  the  Park have  been the  subject of  a  great deal of con-
troversy.  Many local citizens  opposed establishment  of the Lakeshore,
while  proposals for  wilderness  areas (1974)  and a scenic corridor and
road (1977) have  also been controversial.   The Platte River Wilderness,
just to the  north  of the Crystal Lake area, is one  of six wilderness
areas  proposed in  the  National Lakeshore.   The  National  Park Service
favors  the designation  of the Platte River  area  as a wilderness.  Such
designation would make pressure  from population growth in the Crystal
Lake area especially  critical.  One alternative development plan for the
Park includes a scenic corridor and low speed  scenic highway (comparable
to  the Blue Ridge Parkway) for the Crystal Lake Highlands area  (National
Park Service  1978).    A  study  produced  in  1977  defining  the  scenic
corridor  and  highway  was   issued in  1977   but  was  withdrawn  by the
National  Park  Service  as a  result  of local controversy and lawsuits
(League of Women Voters 1978).

     Total visitation at  the Sleeping Bear Dunes Lakeshore in 1978 was
estimated  at  800,000 visitor  days.   Enough  land has been purchased by
the Park Service in  the last  few years  to  permit development of more
extensive  hiking and skiing trails.   As  a  result, visitation has been
increasing by  about  10% per  year.  Development  of a  visitor center,
interpretive  center,  and  scenic corridor  route are still  at least 8 to
10  years  away,  however, because of budgetary  limitations  (by telephone,
Mr.  Max Holden,  Sleeping  Bear Dunes National  Lakeshore,  9 April  1979).
A  study by the Upper  Great Lakes Commission (1972), although somewhat
out-of-date,  did  classify the portion of  the  Crystal Lake area west of
US  Route  31  as an area of "high development potential" as  the  result of
creation  of  the National Lakeshore.  However,  traffic  generated  by the
National  Lakeshore  in  the  Crystal Lake  area is  not believed to  be  a
problem  in the  foreseeable future.

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5.   ARCHAEOLOGICAL  AND HISTORICAL RESOURCES

     One site within the Study Area,  the Mills  Community House, has been
listed  on  the National  Register  of  Historic  Places.   Built in 1900 as
the women's  dormitory  of Benzonia College,  it  is  a two-and-a-half-story
structure located on the southeast corner  of Michigan  and Walker Avenues
in the  Village  of Benzonia.   The building was remodeled in  1925 and is
now used as a library and community center (by  telephone, Mrs. Sherwood,
the  Historic Conservation  and Recreation  Service,   1  February 1979).

     Four possible archaeological sites within  the Study Area boundaries
have  been  recorded by  the   Great  Lakes  Branch  of   the  University of
Michigan, Museum  of Archaeology.   Three of these, in  Lake Township, may
have been early  villages.  The fourth, in Crystal Lake Township, may be
an Indian  mound  or  series of mounds.  According  to  John Halsey of the
Michigan State  History Division, the  actual locations and  compositions
of the  sites are not  known,  and  remains may have been destroyed long
ago.   Mr.  Halsey has  indicated  that  an  archaeological  survey  will be
required by his agency prior to any construction to verify the existence
of any  sites that may be impacted by the  selected alternative (by tele-
phone,  24 January 1979).
                                    96

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                              CHAPTER III

                            ALTERNATIVES
A.   INTRODUCTION

1.   GENERAL APPROACH

     New  alternative  systems  were developed  for wastewater  collection
and treatment in the  Proposed  Crystal  Lake Service Area.  This chapter
presents  eight  "EIS  Alternatives".   It  compares designs  and project
costs to  those of  the Proposed Action  of  the  Crystal  Lake Area Facility
Plan (Williams and Works,  et  al.  1976),  described in Chapter  I,  above.
Chapter IV  assesses  the environmental  and socioeconomic impacts  of all
these systems.

     The  EIS  alternative  has  focused on those aspects and  implications
of the proposed wastewater management plan for the Proposed  Service Area
which (a) have been  identified as major issues or concerns,  or  (b) were
not adequately addressed in the Facility Plan.

     Chapter  I  of  this EIS,  emphasized that  an important issue  is the
overall need for the project proposed in the Facility  Plan.   Documenting
a  clear  need  for  new  wastewater  facilities  may,  on  occasion,  be
difficult,  requiring  evidence  that  the   existing on-lot  systems are
directly  related  to  water  quality and public  health problems.   Such  a
need  is  shown  when  one  or   more   of  the following conditions  exist
(Illinois Environmental Protection Agency  1977):

     o    Standing pools of septic tank effluent or  raw  domestic  sewage
          in  yards or public  areas where  direct  contact with  residents
          is likely.

     o    Sewage  in  basements   from  inoperable or  sluggish   sewage
          disposal systems.

     o    Contaminated  private wells  clearly associated  with  sewage
          disposal systems.

     The  Proposed  Service Area exhibits  some indirect evidence  of the
unsuitability of site conditions for  on-site  soil disposal  systems.  The
evidence  includes  high groundwater,  slowly permeable soils, small lot
sizes, proximity to lakeshores and substandard setback distances between
wells and private wastewater facilities.   Available information on these
factors  were, in  fact,  used  early  in  the preparation of  this  EIS to
develop the decentralized  alternatives designated EIS Alternatives 3,  4
and 5.
                                    97

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     Indirect  evidence  is  insufficient  to  justify  Federal  funding,
however.   Federal water pollution  control legislation  and  regulations
require documentation of actual water quality or public health problems.
Section  II.C  summarizes  the  extensive  efforts  mounted  during  the
preparation of  this  EIS to document and quantify  the  need for improved
facilities around Crystal Lake.

     The dollar cost of the Facility Plan Proposed Action and its impact
on   area   residents  make   cost   effectiveness   as   serious   as   need
documentation.  Since the collection system accounts for the major share
of  the construction  costs  in the Facility  Plan Proposed  Action,  the
extent  of sewer  lines needed and  the  use  of newer  technologies  for
wastewater  collection have  been  investigated  in  detail here,  as  have
alternative wastewater treatment systems.  The technologies assessed are
listed below:
             WASTEWATER MANAGEMENT COMPONENTS AND OPTIONS
Functional Component

Flow and Waste Load
Reduction
Options
Collection of Wastewaters
Wastewater Treatment
Processes
Effluent Disposal
Sludge Handling
     household water conserva-
     tion measures
     ban on phosphorus
     rehabilation of existing
     sewers to reduce
     infiltration and inflow

     limited service area
     pressure sewers
     vacuum sewers
     gravity sewers

     conventional centralized
     treatment plus chemical
     treatment to reduce
     phosphorus concentrations
     land application
     on-site treatment
     cluster systems
     rotating biological
     contactor

     subsurface disposal
     land application
     discharge to surface
     waters
     greywater recycling

     anaerobic digestion
     dewatering
                                    98

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Sludge Disposal                         -    land application
                                            landfilling
                                            composting

     Next,   appropriate  options   were   selected  and  combined   into
alternative systems.  Design criteria in the pertinent  state  and  local
codes, given  in  Appendix  F, were  followed. The  alternatives  were  then
compared.   The last  section of this  chapter  considers implementation,
administration and  financing of the alternatives.

2.   COMPARABILITY OF ALTERNATIVES:   DESIGN  POPULATION

     The various alternatives for  wastewater management in  the  Service
Area  must  provide  equivalent  or comparable levels of  service if  their
designs and   costs  are to  be  properly  compared.   In  the  following
comparison  of   alternatives the  design population of  12,490 has  been
assumed (see  Section C.l.c below and Appendix H) .

     The same year  2000 design population has been used as  the basis for
all  the EIS  alternatives  and the Facility Plan  Proposed Action in the
interest of equitable comparison;  it  must be  recognized,  however,  that
each  alternative  carries  its own  constraints  and that the wastewater
management system chosen may determine much of  the Crystal  Lake area's
actual population in the year 2000.

3.   COMPARABILITY OF ALTERNATIVES:   FLOW  AND  WASTE
     LOAD  PROJECTIONS

     Design  flows  for  centralized  treatment  facilities   and for  the
cluster systems are based on a design  domestic sewage flow of 60  gpcd in
residential  areas  for  both permanent  and  seasonal  residents.   This
figure increases  to 70  gpcd  for Frankfort, Benzonia Village and Elberta.
The  reasons  for  these  per  capita  design flows  are outlined in  Section
C.l.b  of   this  chapter.   Infiltration  and inflow  (I/I)  into  gravity
sewers  was   added   to  the calculated   sewage   flow  in  appropriate
alternatives.

     The design flow used in the Facility  Plan  for the Proposed Action
was  100 gpcd,  including I/I.  To compare costs properly in this  EIS, it
was  necessary to re-calculate flows  for the Proposed Action using  flows
developed for the EIS alternatives; this was done.
B.   COMPONENTS  AND OPTIONS

1.   FLOW AND WASTE REDUCTION

     Methods that  reduce  the flow or  pollutant loads can  provide  the
following benefits to a  wastewater management program:

     o    Reduce the  sizes  and  capital costs  of new sewage collection
          and treatment  facilities;
                                   99

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     o    Delay the time when future expansion or replacement  facilities
          will be needed;

     o    Reduce  the  operational  costs  of  pumping  and treatment;  and

     o    Mitigate the sludge and effluent disposal impacts.

     In the Proposed Service Area residential flow reduction devices  and
a ban on phosphorus detergent are techniques that may be used  to achieve
these benefits.

a.   Residential Flow Reduction

     Appendix  I  discusses  a  number  of  residential  flow   reduction
devices.  Of  these,  dual-flush toilets and flow-restriction devices  for
shower  heads  and faucets  reduce  flow  the  most  for  the  least  cost.
Proper  use  of these  devices  can  reduce  consumption of  water by  an
estimated  16  gpcd.  EIS  Alternative  2 (see  Section  III.C.2.e)  was  re-
designed and  recosted  using a design  flow based  on  44 gpcd to evaluate
the cost-effectiveness  of  widespread  use  of these devices.  Section  C.5
discusses  the engineering and economic significance  of  flow  reduction.

     Briefly,   use  of  these  devices  in   sewered   residences  saves
sufficient  capital costs  to  be  cost-effective  locally.   Use  of  flow
reduction  devices reduces  water supply  and  heating costs.    If  these
savings  are  added to  applicable savings  in operation  and maintenance
costs, the Crystal Lake homeowner could save of $112 annually.  Appendix
1-1 reviews the technical basis of these savings calculations.

     Flow  reduction  devices  are  also useful with on-  or off-site  soil
disposal  systems.   Such  systems  may last  longer  because   hydraulic
loading   is   reduced.    Because   no   long-term   evaluation   has  been
undertaken,  the increased  lifespan  and  the  resultant  economic benefit
cannot  now  be  quantified.    Installation  of these  devices   should  be
attractive to residents,  reducing their own  water supply and hot  water
heating costs as well as wastewater disposal  costs.

     Several  other  flow   reduction  measures  providing  even  greater
reductions  in  sewage  generation are available.  As an example,  some
residences  require  holding  tanks  because  the  soils  are  unsuited  to
subsurface  wastewater  disposal  and other  methods  of disposal  are  not
available.   In such cases,  wastewater flow  may  be   reduced  to  15 - 30
gpcd by the following methods:

     o    Reduce  lavatory water usage by  installing  spray  tap faucets.

     o    Replace  standard toilets  with dual  cycle  or other  low volume
           toilets.

     o    Reduce   shower  water  use  by  installing  thermostatic mixing
          valves  and flow control  shower  heads.   Use of showers should
          be  encouraged  rather than baths whenever possible.
                                    100

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     o    Replace older  clothes washing  machines  with those  equipped
          with  water-level  controls  or  with  front-loading  machines.

     o    Eliminate   water-carried   toilet wastes  by  use  of  in-house
          composting toilets.

     o    Use recycled bath  and  laundry  wastewaters  to  sprinkle lawns  in
          summer.   The  feasibility  of  this  method  would  have  to  be
          evaluated  on  a  trial  basis  in the planning  area  because  its
          general applicability  is  not certain.

     o    Recycle of  bath and laundry wastewaters  for  toilet  flushing.
          Filtering  and disinfection of  bath  and laundry wastes for  this
          purpose has  been  shown  to  be  feasible  and  aesthetically
          acceptable  in  pilot  studies  (Cohen   and  Wallman   1974;
          Mclaughlin  1968).    This   is  an  alternative   to   in-house
          composting  toilets  that  could achieve  the  same  level  of
          wastewater flow  reduction.

     o    Commercially  available  pressurized toilets  and  air-assisted
          shower heads using a common air compressor of small horsepower
          would  reduce  sewage volume from these two  largest  household
          sources up to 90%.

b.   Michigan  Ban on  Phosphorus

     Phosphorus  is  frequently the  nutrient controlling  algae  growth  in
surface waters and is therefore  an  important  influence  on lake or  stream
eutrophication.  Enrichment  of  the  waters with  nutrients encourages the
growth of  algae and  other  microscopic  plant life;  decay  of the  plants
increases biochemical oxygen  demand,  decreasing dissolved oxygen  in the
water.   Addition of  nutrients  encourages higher forms of  plant  life,
thereby hastening the aging process  by  which a  lake evolves into a bog
or  marsh.   Normally,  eutrophication is  a natural process  proceeding
slowly over  thousands  of years.   However, human  activity  can greatly
accelerate it.   Phosphorus  and  other nutrients, contributed to surface
waters by human wastes,  laundry  detergents and  agricultural runoff,
often  result  in over-fertilization, over-productivity  of  plant matter,
and "choking" of a body of water within  a few years.  Section II.B.7 and
Appendix E-4 discuss the process and data pertinent  for the Crystal  Lake
Study Area.

     In  1971  the Michigan legislature limited  the  amount  of phosphorus
in   laundry   and   cleaning  supplies    sold   in  Michigan  to   8.7%
(Michigan-Public Act  226,  Cleaning Agent Act).   To  reduce phosphorus
concentrations in wastewater further, the Michigan Department of Natural
Resources  subsequently  banned  statewide  the use and  sale  of domestic
laundry  detergents  containing more than 0.5% phosphorus.   By  May 1978,
according  to  monitoring data, influent phosphorus  concentrations at  20
wastewater treatment plants  had  decreased from an average of 6.5 mg/1  to
4.3 mg/1  (by  telephone, Mr. Mike Stiffler, DNR, Water  Quality Division,
1  August  1978).   These  figures  corresponded   to  a  35%  reduction  in
phosphorus entering  the plants.  Figure  III-l  illustrates  these data.
                                   101

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     Treatment plants and on-site disposal facilities in the Study Area
could  experience  a   similar   reduction   in  phosphorus  concentration.
However, such characteristics of the  Crystal Lake area as the number of
residential laundry facilities may differ from those in the communities
where data were  collected.  Clearly,  the  extent of phosphorus reduction
can only be determined by  a  survey  of the characteristics of the Study
Area.   One  approach  to the reduction  of  phosphorus  is  to require that
household detergents  be free  of phosphates.

     Reduction of phosphorus by  control  of  detergents  will not achieve
the  effluent  discharge  limits  of   1  mg/1  set  for  Betsie  Lake (see
Appendix   D-4  for  Effluent  Limits).   Consequently,   provision  of
facilities  for  phosphorus  removal   in  treatment  plant  operation  is
required.  The phosphorus  ban  would  not  affect on-site systems because
the  effluent  limitation only  applies to treatment  plants discharging
into surface waters.

c.   Rehabilitation  of Existing  Sewers To Reduce Infiltration
     and Inflow

     Infiltration/Inflow Analyses conducted  in Frankfort and Elberta for
the  Facility  Plan revealed  that infiltration was  substantial  in both
sewer   systems   and   that   combined   sewers   in  Frankfort  result  in
significant inflow.   Rehabilitation  of sewers  in both municipalities,
beginning with sewer  system evaluation surveys  (SSES), were recommended
in  the  Facility  Plan.  The costs and projected flow reduction for the
rehabilitation effort are incorporated in  all EIS  Alternatives except No
Action.

     While this  EIS  is not evaluating alternatives for Beulah, leakage
of  sewage  from  its  sewers  may be one of the  causes for high  nutrient
loads  and bacterial   contamination  in  Cold  Creek.   This possibility
should be investigated.

2.   COLLECTION

     The collection system proposed  in the Facility Plan  is estimated to
cost $14 million —  76% of the total cost of the  proposed  action  — and
is  the  single most expensive  portion of  the sewerage facilities.  Since
not all  parts of collection  systems  are  eligible for Federal and State
funding, the  costs of  the  collection system impact the local community
more  than  other  components   of the  project.   There  is,   therefore,
considerable  incentive at local, state  and national  levels  to  choose
less expensive alternatives to conventional  sewer  systems.

     Alternative means of wastewater  collection  are:

     o    pressure sewers  (including  grinder  pumps or  STEP systems);

     o    vacuum sewers;  and

     o    small diameter gravity sewers (Troyan  and Norris  1974).
                                   103

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     An alternative  collection  system may economically sewer areas with
site conditions that increase the cost of conventional sewerage, such as
shallow  depth to  bedrock,  high  groundwater  table,  or  hilly terrain.
Housing  density also  affects  the  relative  costs  of  conventional  and
alternative wastewater collection techniques.

     The  alternative  most  extensively  studied  is  collection  by  a
pressure  sewer  system.  The  principles  behind the  pressure  system and
the  gravity flow  system  are opposite to each other.   The  water system
consists  of  a  single  point of  pressurization  and a  number  of  user
outlets.   Conversely,  the  pressure  sewer  system  has  inlet  points  of
pressurization and a single outlet.  Pressurized wastewater is generally
discharged to the treatment facility or to a gravity sewer.

     The  two  major types of pressure sewer systems are the grinder pump
(GP)  system and the  septic tank  effluent  pumping  (STEP)  system.   The
differences between  the two  systems  are in  the on-site equipment  and
layout.   The  GP system  employs individual grinder  pumps to  convey raw
wastewater  to the  sewer.   In the STEP system septic tank effluent from
individual households is pumped to the pressure main.

     The  advantages of pressure sewer systems are:

     o    elimination of infiltration/inflow;
     o    reduction of construction cost; and
     o    use in varied site and climatic conditions.

The  disadvantages  include  relatively high  operation and  maintenance
cost,  and the  requirement for  individual home  STEP systems  or grinder
pumps.

     Vacuum  sewers provide  similar advantages.   Their major components
are vacuum mains,  collection tanks and vacuum pumps, and individual home
valve  connection  systems.   A recent  review  of vacuum sewer technology,
however,  noted  significant differences among design of four major types
of current  systems (Cooper and Rezek  1975).

     As   a  third  alternative  to  conventional  gravity  sewers,  small
diameter  (4-inch)  pipe can be used if septic tank effluent, rather than
raw  waste,  is   collected.   Such  pipe  may  result  in lower  costs  of
materials,  but  the  systems  retain some  of  the  disadvantages of larger
sewers.   The  need  for deep  excavations and pump  stations is unaffected.

     This document  analyzed  the   reliability,   site  requirements,  and
costs  of  the  alternative  sewer systems considered  for the  Crystal Lake
area.   The  STEP-type  low-pressure  sewer  system  was  found  the  most
advantageous  of  the  three  alternatives.    A  preliminary  STEP system
serving   residents  around  Crystal Lake  was,  therefore,  developed  to
determine the differences  in project costs  if  it were substituted for
the   gravity   system  specified  by   the  Facility  Plan.   Assumptions
regarding the  design  and  cost of  the  low  pressure  sewer  system are
listed in Appendix J-l.  Figure III-2  illustrates the arrangement of the
STEP  system house  pump and sewer line  connection.
                                    104

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                                                 CONTROL PANEL
                                                 6 ALARM LIGHT
                                                                      rPRESSURE SEWER/
                                                                   —J-	^	   _    >COMMON
                                                                                     ' TRENCH
                                                                        FORCE MAIN
                     ilN	\
EXISTING GRAVITY
SEWAGE PIPING

EXISTING SEPTIC TANK
LEVEL SENSOR

ON OFF LEVEL
SENSOR

PUMP UNIT
                                                          STORAGE
                                                           TANK UNIT

                                   Fieure III-2:

              TYPICAL  PUMP   INSTALLATION  FOR  PRESSURE SEWER

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3.   WASTEWATER TREATMENT

     Wastewater treatment options include three  categories:  centralized
treatment prior  to discharge into surface water; centralized treatment
prior to disposal on land; and decentralized  treatment.

     Centralized  treatment  means  the  treatment  at  a  central  site of
wastewater  collected  by a  single  system and transported  to  a central
location.   Centralized  treatment systems  may serve all  or  a part of the
service  area.   Centrally treated effluent may be discharged to surface
waters  or  applied to the land;  the  method and  site of disposal affect
the treatment process requirements.

     "Decentralized  treatment"  defines  those   systems   processing  a
relatively  small amount of wastewater;  options include "package plants",
cluster  systems,  and individual septic  systems.   This  EIS will assess
the  technical feasibility,   relative  costs,  environmental  impacts, and
implementability in the Crystal  Lake Study Area of these  approaches to
wastewater  treatment.

a.   Centralized Treatment —Discharge  to Surface  Water

     The Frankfort and  Elberta  primary treatment plants cannot meet the
State  of Michigan's  effluent standards  for Betsie  Lake.  Aside from
excessive hydraulic and organic  loadings, much  of the  equipment at the
two plants  needs  repair or  replacement.   In  assessing the  potential for
expansion and upgrading of these two  plants,  the Facility Plan concluded
that   expansion   and   upgrading  of   the  plants  were  not  feasible,
principally because  of  insufficient land for remodeling  or additions.
It  proposed  a  new   treatment   facility,   designed   around  rotating
biological  contactors.  Such a facility,  complete with suitable addition
of chemicals, could meet appropriate  effluent limitations.

b.   Centralized Treatment —  Land  Disposal

     Land treatment of  municipal wastewater  uses vegetation and soil to
remove   many  constitutents  of   wastewater.   Several  processes  are
available   that  can   achieve many  different objectives  of treatment:
water   reuse,  nutrient  recycling  and   crop  production.  The   three
principal types of land application systems are:

     o    Slow rate (irrigation)
     o    Rapid infiltration (infiltration-percolation)
     o    Overland flow.  (EPA 1977)

     The quality  of  effluent required  for land  application in terms of
BOD  and suspended solids is not so  high as  that for stream discharge.
Preliminary wastewater  treatment  is needed  to  prevent health hazards,
maintain high treatment efficiency  by the  soil, reduce soil clogging,
and insure  reliable  operation of the distribution system.  The Michigan
Department   of  Natural  Resources  (DNR)  requires   the equivalent  of
secondary  treatment  prior  to  land disposal.   (Personal communication,
Steve Eldridge, DNR, 30 March 1978).
                                   106

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     A  recent memorandum  from  EPA may  alter Michigan's  approach  to
pretreatment  prior  to  land  application.    To   encourage   both  land
treatment  and land  disposal  of wastewater,  EPA has  indicated  that:

          "A universal  minimum of secondary treatment for  direct surface
          discharge...  will  not  be  accepted because it is inconsistent
          with the basic concepts of land  treatment.

          ...the  costs  of the additional preapplication  increment needed
          to meet  more stringent preapplication  treatment requirements
          [than necessary]  imposed  at  the State or local  level would be
          ineligible for Agency  funding and thus  would  be paid for from
          State or local funds."   (EPA 1978)

     Land treatment systems require  wastewater storage during periods of
little or no  application caused  by  factors such as unfavorable weather.
In  Michigan storage facilities  for  the   winter  months  are  necessary.

     The  EPA  policy   has  important  ramifications  for  land  treatment
alternatives.  By  allowing Federal  funding of land used for  storage and
underwriting  the  risk  of  failure for certain  land-related projects  the
policy promotes their consideration.

     The  land application  component of  the  alternatives  in  this  EIS
includes  the  treatment and storage  facilities provided by the Facility
Plan  (see Figure  III-3), but woodland spray irrigation  is the method of
final  disposal  in the  new  system.   Considerations in  selecting  the
method of land application and a  potential site are discussed in Section
II.A.S.b.

c.   Decentralized Treatment

     Figure 1-4  shows  the  Facility  Plan proposed centralized collection
and treatment of wastewaters for  the entire Service Area.   The costs for
the   proposed  wastewater   management  plan,  evaluated  in   terms   of
individual  households,  were  high.   Because most of those  costs were due
to  sewers,  this  EIS   examines   methods   of  wastewater  treatment  not
dependent on extensive  sewer systems.

     Several technologies can provide decentralized treatment at or near
the point of generation.  These are:

     o    Alternative toilets

               Composting toilets

               Toilets  using filtered and  disinfected  bath  and laundry
               wastewater

               Waterless toilets using oils  to  carry  and store wastes

               Incineration toilets
                                   107

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                                                                       LEGEND

                                                          LAND APPLICATION SITE CONSIDERED IN
                                                            FACILITY PLAN
                                                          ALTERNATE LAND APPLICATION SITE
                                                            WITHIN CRYSTAL LAKE WATERSHED
                                                          ALTERNATE LAND APPLICATION SITE
                                                            OUTSIDE OF CRYSTAL LAKE WATER-
                                                            SHED
                                                          CRYSTAL LAKE WATERSHED BOUNDARY
                                                                                             MILES
                                                                                                        oo
                                                                                                        o
Figure III- 3.   Land Application Sites for the
                Crystal Lake Study Area.

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     o    On-lot  treatment  and  disposal

               Septic tank  and  soil-disposal  systems

               Septic tank  and dual,  alternating soil-disposal  system

               Aerobic treatment and soil-disposal system

               Septic tank  or   aerobic  treatment  and  sand filter  with
               effluent discharge  to surface  waters

               Septic tank  and  evapotranspiration system

               Septic tank  and  mechanical  evaporation system

               Septic tank  and  elevated  sand  mound system

     o    Off-lot treatment and disposal

               Cluster  systems  (multiple houses served  by  a  common
               soil-disposal system)

               Community  septic  tank  or aerobic  treatment  and  sand
               filter with  effluent discharge to surface water

               Small-scale   lagoon  with seasonal effluent  discharge  to
               surface water

               Small-scale    lagoon   with   effluent   discharge    at
               rapid-infiltration  land application site

               Small-scale   lagoon  with seasonal effluent  discharge  at
               slow-rate land application  site

               Small-scale,   fabricated   activated   sludge   (package)
               treatment plants  with  effluent  discharge  to  surface
               waters.

     To assess decentralized alternatives  first requires comparison with
centralized  alternatives.    The   feasibility   analysis,   design,   and
construction cost  estimation of decentralized  alternatives is entirely
different from the centralized  systems.  Most decentralized alternatives
depend  to   a  large  extent  on  such   environmental   constraints  as
topography,  geology,  groundwater,  climate,  and soil  conditions  within
the Service Area.  (Conversely,  sewers  are both feasible and reliable in
nearly  all  settings  where construction  is  possible;  environmental
factors  primarily  affect   constructions  costs.)    In  addition,   the
selection   and   design   of   decentralized   alternatives   must   be
site-specific,  particularly with  respect to  existing  buildings.   The
feasibility analysis  and  design of  sewers may  be performed  with  less
site  data  than the  decentralized  alternatives because  standard  design
criteria are unlikely to be voided by site conditions.
                                   109

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     The  importance of  site-specific factors  implies  that design  and
estimates of  feasibility of decentralized alternatives  are  less  certain
than for  centralized alternatives.   Quantitative  statements will not be
available  until the engineering  of decentralized alternatives  becomes
better   established  and  more  experience  in   their  management   and
monitoring has been gained.

4.   FLEXIBILITY

     Flexibility measures system ability to accommodate  growth  or future
changes  in  requirements.  This section examines  the flexibility  of  the
components  within  each  alternative and  the operational restraints on
each  and design  of the facilities.   These are  discussed  in terms of
their  impacts  upon choices  of  systems  and decisions  of planning  and
design.

a.   Transmission and Conveyance

     For  gravity  and pressure sewer systems, flexibility is the  ability
to handle future increases in flow.  The ability to handle flows  greater
than  the original  design  flow  is  generally  low,  and an  increase in
capacity  is  an  expensive  process.   Also, the  layout  of the  system
depends  upon  the  location of  the  treatment  facility.  Relocation or
expansion  of  a  finished facility  would require  costly redesign  and
addition of sewer.

     Both gravity  and  pressure sewers require  minimum sewage velocities
to  prevent   deposition   of  solids  which  could  cause  blockage.   The
velocity  of  the fluid in gravity sewers depends mainly  upon pipe slope.
Contour  of  the ground surface largely determines pipe  slope and depth,
and  consequently,   construction  costs.    Pressure sewers,  however,  can
carry sewage  uphill under pressure, not depending upon slope to maintain
the  flow velocity;  they offer the designer somewhat  more  flexibility
than gravity  flow pipe.

b.   On-Site Septic Systems

     Septic systems  are  flexible in that they can be custom designed  for
each user.  As  long  as spatial and environmental parameters  are met,  the
type of  system  can  be  chosen according to individual requirements. This
flexibility  is useful in some rural areas  where centralized  treatment
would be  neither cost  effective nor desirable.

     Existing  septic  systems  can  be  expanded  by  adding  tank  and
drainfield  capacity,  if suitable  land  is available.   Flow  can  then be
distributed  to an added  system with little  disturbance of  the existing
one.

     Cluster  systems  are  septic  systems  treating wastewater  from more
than  one  house,  usually 15  to  24.   The  flexibility  for design  and
expansion of such a system is somewhat less than for a standard septic
system.   Sizes  of cluster systems  range from one-quarter  to one-half
acre,  a  substantial  increase  compared  to a standard septic system  (of
about  1000 square  feet).  Right-of-way requirements for  piping  must be
                                    110

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considered because the system  crosses  property boundaries  and may  cross
public property.   The  location of  other  underground utilities such as
water, electricty,  gas,  and telephone  must  also be  considered in the
design.

     An  alternative  system  for  on-site  sewage treatment,  such  as an
elevated sand mound, is  required  where siting  restrictions prohibit the
use of standard septic  system  and centralized collection of sewage is
not available.   In  these  cases  future expansion may  be difficult or
impossible.  Stipulations of the  health codes  restrict  the potential of
the alternative systems for alteration or  expansion.

c.   Rotating  Biological  Contactor (RBC)

     The use  of rotating biological  contactors to treat  wastewater is
relatively new  in the United  States.   The RBC rotates circular  discs
covered  with  a film  of  aerobic  bacteria  in a basin  through  which
wastewater  flows.    The  disc   is  usually  40% submerged  for aerobic
treatment.

     RBCs  are  simple  to  operate.   They  are similar  in  theory to
trickling  filters, used  in  the United States  since  1908.   The  RBC  units
do  not  require  sludge  recycling,  nor  maintenance  of  a  suspended
microbial  culture  like  by  activated  sludge.  The  relatively  simple
operation, therefore, makes operational flexibility  high for  RBC plants.

     The modular nature  of  RBC reactors makes  expansion or upgrading of
the plant  relatively easy.   With  proper design of other  components and
proper planning of the facility layout, the  cost and effort required for
expansion  may be  relatively small.   RBCs  are  therefore well suited for
projects to be constructed in phases over  an extended period.

     RBCs  require  relatively shallow  basin  depths  (6-8  feet)  -- another
advantage.  Less  structural  strength  is required for the  basin because
water volume per square foot of basin area is  reduced.  Therefore,  there
is  more  leeway in  choosing a  site because structural  requirements are
lower, and a greater  variety  of  soil  types  and ground  conditions are
available  for locating the RBC  units.

     There are several disadvantages to the  RBC reactor.  The many discs
usually required limit design flows to the range of  0.1  to 20 mgd.   This
limitation results from the large  requirements  for land.  The mechanical
components  have relatively  low  salvage value,  and  converting the RBC
units  to  another  type  process  may be costly if these components can not
be  reused  or sold.

d.   Land Application

     To  be   flexible,  a   land   application  system   should  operate
efficiently under  changing  conditions,  and  should be easily modified or
expanded.   These  factors   depend   largely  upon geographical  location.

     The ability to  handle  changes in treatment requirements and  waste-
water  characteristics  is a  specific  measure  of flexibility for a land
                                   111

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application  facility.   Furthermore, the level of  treatment  provided  by
the land application system will in part determine whether it can handle
possible  increases  in  flows  in the future.  Wastewater  in  the  Crystal
Lake Study Area consists primarily of domestic sewage and future  changes
in composition of the wastewater are not likely to occur.  If industrial
wastewater  were added  in  the  future,  pretreatment  at  the industrial
source may be required.

     Expandability  is  an  important element of  flexibility.   Efficient
and  economical  land acquisition for future  flow  increases  depends  upon
the proximity of  the facility to populated  areas,  design and layout  of
the  system,  additional  transmission  requirements,   and the  type  of
application  system  used.   A  number  of  application  mechanisms  are
available --  spray,  overland flow,  or rapid infiltration.  Sites can  be
forest land, cropland,  or open fields.  Attention must be paid, however,
to  characteristics  of  the surrounding  land,  and  to possible  future
changes  in  land  use.   Also,  requirements are  strict  concerning the
hydraulic and geologic conditions  of the proposed site.  When initially
planning  the  facility,  all of the  above mentioned  conditions should  be
taken into  consideration if maximum flexibility for future expansion  is
desired.

     Cost of  the  land  accounts for much of the  capital cost for a  land
application  facility,   and  greatly  affects  the possibility  of expansion
or ease of discontinuing the site.  Because land normally appreciates  in
value,  the  final salvage value  of  the site may be very  high after the
expected  20-year  design  life.   If  the  site is  abandoned,  much of the
initial capital  cost of the facility may be recovered by reselling the
land  at the  appreciated price.  Note, however,  that  the public may  be
reluctant because  of its former use to  use the  land;  this would depend
largely upon the appearance of the  land at the time of resale.

     Finally,  operational  flexibility  of  land  application  systems  is
highly  dependent  upon  climate.   When heavy rains  saturate  the  soil  or
flooding  occurs,  treatment  efficiency  is  greatly  reduced.   Where  cold
temperatures  might make  land application  unusable,  storage facilities
are  required.   Very  cold  climates  require up to  six  months of  storage
capacity.   Rapid  infiltration  is  the only land  application technique
used successfully  in very cold  temperatures.

5.   RELIABILITY

a.   Sewers

     Gravity  Sewers.   When possible,  sewer systems allow wastewater  to
flow  downhill  by  force of  gravity.   This  type  of  system, known  as
gravity   sewer,  is  highly  reliable.   Designed  properly,  such  systems
require   little  maintenance.   They  consume  no  energy  and  have  no
mechanical  components  to malfunction.

     Problems  associated  with  gravity sewers  include  clogged pipes,
leading to  sewer backups;  infiltration/inflow, increasing the volume  of
flow  beyond the  design level; and broken or misaligned pipes.  Major
contributors  to  these  problems  are   improperly  jointed pipes  and the
                                    112

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intrusion of tree  roots  into  the sewer,  which tend to be more prevalent
in older systems.

     Where ground  slope  is  opposite to the direction of sewage flow, it
may  be  necessary  to pump  the  sewage through  sections of  pipe  called
force  mains.   The  pumps  add  a  mechanical  component which  increases
operation and  maintenance   (O&M)  requirements  and decreases  the  system
reliability.   To assure uninterrupted operation of the system, two pumps
are  generally  installed, providing  a  backup in  case one malfunctions.
Each is usually able to  handle at least twice the peak flow.  A standby
generator is usually provided to ensure operation of the pumps in case
of a power failure.

     Because the flow through force mains is intermittent, solids  may be
deposited during periods of no flow.  In  addition,  when  the pumps shut
off, the  sudden cessation  of flow  may  cause the hydraulic conditions
known as "water hammer" in the force main, a phenomenon marked by sudden
sharp surges in water pressure that may result in burst pipes.  However,
both deposition  of  solids  and  water  hammer  may be  controlled through
proper  design  procedures.   The  reliability of properly  designed force
mains is comparable to that of gravity sewers.

     Pressure Sewers.  Pressure  sewers transmit  wastewater  uphill when
ground  topography  does not allow gravity flow.  Because  the system is
always  under pressure pumping is required to force  the wastewater into
the sewer

     Grinder Pumps.   Grinder  pumps  are used primarily to grind and pump
raw  domestic  sewage  from  an  individual house to  the collection  system
and  occasionally  for small  lift  stations.  They   are  either  of  the
semi-positive  displacement  or the  centrifugal type,  depending upon the
mode of operation.   The reliability of both types is high.

     One problem may arise  during a power failure.  Standby power for a
grinder pump would not usually be  available  at  an individual house and
the residence would be without sewage removal.  This is a lesser problem
than  might  be  supposed,   for  a  power  failure  would  curtail  many
operations that generate wastewater.

     There were  problems in  the  operation  of  the  first  generation of
grinder pumps  when pressure to pump wastewater or power to grind solids
was  insufficient.    Modifications  have been  made  in their  design and
construction,  and  the second  generation of  these pumps  is  appreciably
more  reliable.   Periodic  maintenance  is  required  to clean  or replace
parts of the grinder pump.

     STEP Pumps.   It is  sometimes desirable to pump wastewater from an
existing septic tank rather than directly from the  house,  using  septic
tank effluent  pumps*  (STEP)  rather than  a  grinder  pump.   In this way
difficulties associated with suspended solids are largely avoided.  STEP
pumps are  relatively  simple  modifications of conventional  sump  pumps.

     The reliability of  STEP  pumps made by experienced manufacturers is
good.   Newer entries into  the field have  not yet accumulated the oper-
ating experience  necessary to  demonstrate conclusively the reliability

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of their products.   In the event of failure of  a  STEP system,  an over-
flow  line  may  be provided,  which  permits passage  of the septic  tank
effluent to the old drainfield for emergency disposal.

     Pipes.   Pressure  sewer pipes  are  subject to the same problems  as
force mains,  discussed above.   As  with force mains,  proper design can
prevent clogging  and breaking of pipes, the most  common  cause  of sewer
problems.   Because  pressure sewer piping has  no mechanical  components,
the reliability is high.

b.   Centralized Treatment

     Conventional.  The reliability of conventional wastewater  treatment
has been  tested  by time.   Most  unit processes have been used  for  many
years,  and  there is consequently much information on their design and
operation in  nearly  all climates.  In general, the larger the  treatment
facility,  the more  reliable its  operation, because the large volumes  of
flow  require  multiple  units per treatment process.   For instance,  a
large  facility  will  have  several  primary  clarifiers,  and  if  one
malfunctions,    the   remaining  units   can  handle  the   entire   load.
Therefore, difficulties  that arise  as  a  result of failure of  a  single
unit process,  or  of severe weather conditions such as heavy rain or very
cold  temperatures,  are less likely  to  affect  operations.   Conventional
wastewater  treatment  plants  can be designed  to handle  most  problems.

     Advanced Treatment.  Advanced  treatment serves  primarily  to remove
toxic substances  and nutrients that would stimulate biological  activity.
The technology  is relatively new; experience in design and operation of
advanced  treatment  processes  is  therefore  limited.   However,  when
designed properly, the reliability of these processes is  high.

     Land Application.    Application of treated  sewage effluent  to  the
land  is still  infrequent  in the United States, but its  use is growing
steadily.   Local  climatic  conditions  such as  heavy  rains  or  very low
temperatures  may make  the technique unsuitable  in a particular area.

     Potential problems with land application include:   groundwater con-
tamination; dispersal  of microbial  mass  by airborne  transport;  odors;
surface water contamination; accumulation of  metals in  the  vegetation;
and possible  toxic effects  upon local animals.   These problems  can  be
minimized  with  proper  design,   but  there  is  not  yet  the  extensive
practical  experience  required  to  develop  advanced design  technology.

c.   On-Site Treatment

     Septic Tanks.  The design and operation of modern septic tanks have
benefited  from   long  experience.   Properly  designed and  maintained,
septic  systems  will provide  satisfactory service with  minimum mainte-
nance.  Care  must be taken not  to  put  materials in the system that may
clog  it.   The principal maintenance requirement is  periodic pumping  of
the tank, usually every two or three years.

     Problems   of septic   systems  include  heavy  rain  saturating  the
ground,  clogged  drainfields  caused by full  septic  tanks, clogged  or
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frozen  pipes,   and   broken  pipes.    Current  environmental  laws
restricting sites  according to soil  suitability,  depth to  groundwater
and bedrock,  and other factors -- are  limiting the cases where  septic
systems can be used.

     Sand Mounds.  Elevated sand mounds  four  or five feet above original
ground  level  are  an  alternative   drainage   mechanism  where   siting
restrictions do not allow  the use  of  standard drainfields.  Because  they
do  not always provide  satisfactory  service and  are considerably  more
expensive than conventional  drainfields, they  have  not  been  universally
accepted.

d.   Cluster  Systems

     Cluster   systems  are   localized   wastewater   disposal   mechanisms
servicing several  residences.   The reliability is  similar  to that  of  a
septic system,  except that  a  malfunction  affects  not  just  one, but  a
number of residences.  Because  a  cluster system requires more piping to
connect  individual  houses  to the  treatment  tank than does  a series  of
individual  systems,  there  is  a greater chance for pipes  to break  or
clog,  or  for  I/I  to  occur during  heavy rain.   If  pumping is required,
the reliability  of the  system declines  because of  the mechanical nature
of the pumps and their dependence  upon electricity  for power.

6.   EFFLUENT DISPOSAL

     Three approaches exist  for disposal of  treated wastewater.   Reuse,
perhaps  the  most  desirable  of  the three,  implies recycling  of  the
effluent  by   industry,  agriculture  or   groundwater   recharge.    Land
application takes  advantage  of  the absorptive and  renovative capacities
of  soil  to  improve  effluent  quality and  reduce the  quantity  of
wastewater  requiring  disposal.  Discharge  to  surface  water generally
implies  the use  of  streams  or impoundments  for  ultimate  disposal  of
treated effluent.

a.   Reuse

     Industry Reuse.   There is limited industrial  development   in the
Study  Area.   The only industry that consumes  significant quantities  of
water  is Pet,  Inc.   Located in Frankfort,  Pet  uses only potable water.
There  are  no  industries in the area that  use a significant amount of
non-potable water, consequently industrial reuse  does  not seem to  be  a
feasible means of effluent disposal.

     Agricultural Irrigation.   The  use  of   treated   wastewaters   for
irrigation is addressed in Section III.6.b.

     Groundwater Recharge.    Groundwater supplies   all  of  the   potable
water  in the  Study Area.   The availability of ample quantities  of water
from  sand  and gravel deposits  is a  significant resource of the area.
There  is no  evidence that  these  resources  are being  depleted  to the
extent  that supplemental  recharge is  necessary.   Wastewater reuse  by
groundwater recharge has therefore not been evaluated.
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b.    Land Application

     Two types of land application are relevant to  the  Study Area, rapid
infiltration/percolation    and    agricultural    irrigation.     Rapid
infiltration/percolation  is  presently  used   for  final  treatment  and
disposal  of  wastewaters  for  Beulah.   Expansion  of  this  facility or
construction  of  similar  facilities  on  sites within  the  watershed
directly tributary  to  the  Betsie River may be  feasible for other parts
of  the  Study Area.   With  proper  selection   of  sites  and  design of
facilities, wastewater could be  renovated  to  a degree which would meet
or  exceed  the  quality  of  effluent generated  by  more conventional
treatment  processes.   It  would  be  necessary to   collect  renovated
wastewater and discharge it to the Betsie River.

     The  Facility  Plan  evaluated  agricultural irrigation  at  a site
within  Section 31  of Benzonia  Township.   This  site, located  in the
Crystal Lake  watershed,  is  divided by Cold Creek and its  stream valley.
This EIS  considered two  additional sites:   one within the Crystal Lake
watershed,  north  of the proposed site in Township Sections  25 and 30;
and  the  other outside  the Crystal  Lake watershed  and south  of the
proposed site.  Figure III-3 shows the locations of the sites.  Soils at
all three sites are moderately to rapidly permeable.

     Surface  runoff could be controlled by a system of berms and storage
cells;  renovated  wastewater by  recovery wells.  The  necessity of such
management  would  depend upon  a  careful evaluation of the site.  Costs
associated  with  site management and  silviculture   of   white  pine in
Township Sections  25  and 30 have been incorporated in the evaluation of
land  application alternatives.   Detailed site  investigations  for the
land  application  alternatives  should  consider all   three  sites.  All
approaches  to recovery of renovated  wastewater would  include transport
to the Betsie River for discharge.

c.    Discharge to  Surface Waters

     Effluent  from  the  Frankfort  and  Elberta   plants  is  now  being
discharged  into  Betsie Lake.   In the Proposed Action, a new RBC plant
would  discharge  to Betsie  Lake  from  land purchased by the  City of
Frankfort.   It would be  expected to meet DNR effluent  limitations for
discharge  to Betsie Lake  (see Appendix D-4).   The  DNR has recommended
that  there  be no discharges to the Betsie River or to Lake Michigan (by
letter, Mr. Kenneth J. Burta, DNR, 17 November  1976).

7.   SLUDGE  HANDLING AND DISPOSAL

     Two  types  of sludge would be generated by the wastewater treatment
options considered  above:  chemical/biological  sludges from the proposed
RBC  plant;  and  solids  pumped from  septic  tanks.   The  residues  from
treatment by  lagoons and land application are grit  and screening.

     The  Facility  Plan  evaluated  several options  for handling and
disposing  of sludge  from  by the  proposed  RBC plant.  These  included:
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     o    Incineration and landfill  of the  resulting ash.
     o    Digestion followed by liquid disposal  on land.
     o    Digestion and landfill of  the dewatered  sludge.
     o    Digestion and land application of the  dewatered  sludge.

     For  maximum  flexibility  in  disposal  of  digested  sludges,   the
Facility Plan recommended  structural  measures accommodating disposal by
any  of  the  above  methods.    Sludge  drying   beds  would  allow  land
application of dewatered  sludge under most conditions and  would  result
in  reduced  transportation  costs.    Liquid  digested  sludge  could be
applied to land to conserve drying bed capacity.   The Facility Plan  also
recommended including  sufficient capacity in the sludge  digesters  for
six months of winter storage.   Sites for landfill  or surface application
of  digested  sludge  were  not  selected but  a   potential  site for  land
application on  Graves  Road in  Crystal Lake  Township was  identified.

     Alternatives  using residential  septic  tanks  for on-lot  systems,
cluster systems,  or STEP sewer systems must provide for periodic  removal
and  disposal  of   sludge.   For  the  purposes of  designing  centralized
wastewater  treatment by  a RBC  plant, processes  for conditioning  and
treatment   of   septage  were   provided.    In   alternatives   including
centralized treatment  by  lagoon and land application, septage would be
applied to the land.
C.   EIS  ALTERNATIVES

1.   INTRODUCTION

a.   Approach

     The  preceding   section  described  options  for   the   functional
components of wastewater  management systems for the communities  in  the
Study  Area.   This  section examines  alternative wastewater  management
plans  --  alternative  courses  of  action for the  Study Area,  including a
No Action and a Limited Action Alternative.

     The  four  alternatives  developed in  the  Facility  Plan  (described
earlier)  provided   for   centralized  collection   and  treatment   of
wastewater.   In response  to  questions about the need for and expense of
the  Proposed Action,  the development  of  EIS  alternatives  emphasizes
decentralized and  alternative or  innovative technologies:   alternative
collection  systems,  decentralized   treatment   and   land  disposal   of
wastewaters.   The EIS alternatives  would  manage wastewaters  in the same
Service Area as the  Facility Plan Proposed Action, but  five  of the  EIS
alternatives use  decentralized treatment  to avoid the costs  of sewers.

     Because of the  high  cost of collection in the Proposed  Action,  the
cost effectiveness of pressure sewers, vacuum sewers,  and small-diameter
gravity  sewers  was  compared.  Pressure  sewers proved  to  be  the most
cost-effective, alternative method  for  collection of wastewater.   These
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sewers were,  therefore,  incorporated into the design of  two  completely
centralized  systems,  one calling  for  an RBC plant, the  other  for  land
application.

     Where  site  conditions  such as soils and  topography  are  favorable,
land   disposal   of  wastewater  offers   advantages   over  conventional
biological treatment systems that discharge to surface waters:   the  land
is used  as a  natural  treatment facility system;  reduced operation and
maintenance may result from relatively simple operations;  and  savings in
capital and operating costs are possible.

     Analysis   of   decentralized   treatment   technologies   and   site
conditions  showed feasible alternatives to  sewering  the  entire Crystal
Lake  shoreline.    It would  be possible  to  combine multi-family  filter
fields  (cluster  systems) with  rehabilitated and  new  on-site  treatment
systems to meet the wastewater treatment needs in this part of the Study
Area.

     The various alternatives are compared after the discussion below of
projections of design  populations  and flow and waste load which are the
same for all alternatives.

     Appendix J-l presents the assumptions used in design and  costing of
alternatives  are  presented  in Appendix  (J-l).   Table III-l   lists  the
major  features  of the Proposed Action,  the  Limited  Action Alternative,
and the EIS Alternatives.

b.    Flow and Waste Load Projections

     The  domestic  sewage  generation  rate  depends   upon the  mix  of
residential, commercial, and institutional sources in the area.  Studies
on residential  water usage  (Witt,  Siegrist, and  Boyle  1974;  Bailey et
al.  1969;  Cohen  and Wallman 1976)  reported individual  household water
consumptions varying widely  between 20 and  100 gpcd.   However, averaged
values  reported  in those  studies  generally  ranged between 40-56 gpcd.
On a  community-wide basis,  non-residential  domestic  (commercial, small
industrial,  and  institutional)  water use  increases  per  capita  flows.
The extents of such increases are influenced by:

     o    the importance of the community as a local or regional trading
          center;

     o    the  concentration  of  such water-intensive  institutions  as
          schools  and hospitals; and

     o    the level of small industrial development.

For  communities  with  populations  of  less  than 5,000, EPA  regulations
allow  design flows in  the range  of 60 to  70 gpcd where  existing per
capita  flow  data  is  not  available.   In  larger communities,  and  in
communities within Standard  Metropolitan Statistical Areas,  the maximum
allowable flow ranges up to 85 gpcd.
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                                                               Table III-l
                                               ALTERNATIVES - SUMMARY OF MAJOR COMPONENTS*
Alternative
Limited
Action
Facility
Plan
Proposed
Action
EIS
Alternative
1
EIS
Alternative
2
EIS
Alternative
3
Centralized
Treatment
RBC plant serving
Frankfort and
Elberta
RBC plant serving
entire proposed
sewer service
area
RBC plant serving
entire proposed
sewer service
area
Aerated lagoon-
land application
system serving
entire proposed
sewer service
area
RBC plant serving
Frankfort, Elberta
& Crystalia-Pilgrim
Treatment Plant
Siting
Frankfort City
owned land
Frankfort City
owned land
Frankfort City
owned land
Benzonla Township
Sections 25 & 30
Frankfort City
owned land
Effluent Disposal
Discharge to Betsie Lake
Discharge to Betsie Lake
Discharge to Betsie Lake
Land application by spray
Irrigation with recovery
of renovated wastewater
and discharge to Betsie
River
Discharge to Betsie Lake
On-lot &
Cluster Systems
Continued reliance on on- lot
and cluster systems in
remaining parts of Study
Area
No
No
No
On-lot and cluster system
serving remaining portions
of Crystal Lake shoreline
Alternative
Collection Method
No
No
Use of low pressure
collection system
around Crystal Lake
Use of low pressure
collection system
around Crystal Lake

             Aerated lagoon-land
             application system
             serving Benzonia
             Village area &
             northeast shore of
             Crystal Lake
Benzonia Township
Sections
Land application by spray
irrigation with recovery
of renovated wastewater
discharge to Betsie River
In all of the EIS alternatives it is assumed that wastewaters from Beulah will continue to be treated in the Villages'  existing
treatment facility.

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Alternative
                   Centralized
                    Treatment
                       Treatment Plant
                           Siting
                        Effluent Disposal
                                        On-lot &
                                     Cluster Systems
                                                                                        A] ternafive
                                                                                     Collection  Method
EIS
Alternative
4
Aerated lagoon-land
application system
serving Frankfort,
Elberta, Benzonia
Village area,
Crystalia-Pllgrim
area, & northeast
shore of Crystal
Lake
Benzonia Township
Section
Land application by spray
irrigation with recovery
of renovated wastewater
and discharge to Betsie
River
On-lot and cluster systems
serving remaining portions
of Crystal Lake shorelines
                                                                                                                                    No
EIS
Alternative
5
EIS
Alternative
6
RBC plant serving
Frankfort, Elberta,
Benzonia Village
area, Crystalia-
Pilgrim area &
northeast shore
of Crystal Lake

RBC plant serving
Frankfort and
Elberta.  Aerated
Lagoon-land appli-
cation system
serving Benzonia
Village area &
N.E. shore of
Crystal Lake
Frankfort City
owned land
Discharge to Betsie Lake.
Frankfort City
owned land

Benzonia Township
Section
Discharge to Betsie Lake

Land application by spray
irrigation with recovery
of renovated wastewater
and discharge to Betsie
River
On-lot and cluster systems
serving remaining portions
of Crystal Lake shoreline
Cluster systems serving S.E.
shore of Crystal Lake.
Continued reliance in
remaining parts of Study
Area
                                                                                                                                    No
                                                                                                                                    No
O
CM

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     The  Facility  Plan reported  wastewater flows  in  the Crystal  Lake
Facility  Planning  Area  to be  65  gpcd for Elberta  (including  Ann  Arbor
Railroad and Gustafson Oil Company)  and 74 gpcd for Frankfort (including
commercial flows, other than Pet,  Inc.)-   These figures  relate  well  to
the range of domestic flows determined by EPA to be applicable for  small
communities.

     For  these  reasons,  this  EIS  assumes on  a 70 gpcd  design  flow  of
domestic  sewage for  permanent residents  in  Frankfort,  Benzonia,  and
Elberta;  these  municipalities  have  several commercial  and institutional
water users.   In primarily residential  areas, including  the  presently
unsewered areas around Crystal  Lake, a flow of 60 gpcd  has been assumed.

     Water   consumption   by  seasonal  users  varies  much   more   than
consumption  by permanent  residents.   The  actual  rates  of  consumption
depend upon  such factors  as  type  of accommodations in  the area and type
of recreation  areas  available.  EPA regulations (EPA 1978) suggest that
seasonal  population  can be converted  to equivalent permanent population
by using the following multipliers:

          Day-use visitor     0.1  to 0.2

          Seasonal  visitor    0.5  to 0.8

     A  multiplier   of   1.0  was   applied  to  the  projected  seasonal
population   to   account    for  both  day-use  and   seasonal  visitors.
Considering   the   possible    error  in   projecting  future   seasonal
populations,  the  preponderance  of  present  seasonal  visitors  using
well-equipped  private  dwellings   and  the  lack  of  data  on  day-use
visitors,  this  multiplier  was  thought  generous,  i.e.,  it  probably
overestimates flows to some degree.

     The  two design  flow figures  of  70  and  60   gpcd  do  not  reflect
reductions  in  flow from  a program of  water conservation.   Residential
water conservation  devices,  discussed in  Section  III.B.I,  could reduce
flows  by  16  gpcd.   Later  in this  chapter,  to   demonstrate  probable
impacts  of  such  reduction in  flow,  one  of the alternatives has  been
redesigned and  recosted.

c.    Population Projections

     The  design population of 12,490  is  that population projected  to
reside  in the  Proposed   Service  Area  (Figure 1-4) in  the  year  2000.
(This  area  includes  the  immediate service area  and  a  future  service
area.)  The  methodology  used  to  develop this  estimate  is  presented  in
Appendix H, Table H-2.

     In the  interests  of  comparability, the same population projections
have been incorporated into  design and costing of all  alternatives.  In
fact, however,  the  type  of sewer service  provided,  that is, whether it
is  centralized or  decentralized, may influence the actual  design year
population.  Chapter IV discusses the importance of this factor.
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d.    Development  of Decentralized  Options

     Although two  of the alternatives offered in this EIS would  extend
central  sewers  throughout  the  Study  Area,  four  would  dispose   of
wastewater by  decentralized options.   The approach used to  develop  the
latter included the  following:

     Identification  of sites where existing on-lot  systems  are known or
are  implied  to be   failing.   The  failure   of  on-lot  systems  may  be
evidenced in several ways:  effluent may rise  to the surface; sewage  may
not  drain  properly  into  the  system;  or  the  soil may not  renovate*  the
wastewater.   Section  II.C  reviews problems  with the existing  on-site
systems around Crystal Lake.

     Identification  of local environmental characteristics   which  would
limit  the  feasibility of  soil-dependent  effluent disposal.   Sections
II.A.3 and II.C present information on soil depth to groundwater and  lot
size as they affect  the feasibility of soil disposal systems.

     Screening of  technologies for  their  applicability  in  non-sewered
portions  of  the  Proposed  Service  Area.  Section  III.B.3 lists  the
technologies capable of providing decentralized treatment of wastewater.
Those  which  imply direct discharge  to Crystal Lake  or  its  tributaries
have been  rejected and the remainder evaluated as part of  two different
schemes.   Implicit  in both is the assumption that on-site  disposal of
wastewaters  would  rely  upon  septic  systems,  off-site disposal,  and
cluster  systems.   The two  schemes described  below generate  a  range of
costs  associated  with  application  of  the  various  technologies on  a
site-by-site basis.

     o    Partial  Sewering  and  Reliance  on  Cluster Systems.   Sewers
          would extend:

               from  Benzonia Village  along Eldridge Hill Road (to serve
               the northeast shore of Crystal  Lake) to approximately  the
               Benzonia Township-Lake Township line, and

               from  Frankfort along Route 22 to Crystalia and Pilgrim at
               the southwest corner of Crystal Lake.

          It  is  assumed  that sixteen  cluster  systems serving  20-25
          dwellings  each  would  serve  scattered  groups of residences
          along  the  lakeshore.  Other residences would  continue  to  use
          on-lot   septic  systems.    Rehabilitation  of  undersized  and
          failing  on-lot systems  would  be undertaken and  new  on-site
          systems  which  compensate  for  poor soil conditions,  such as
          mound systems,  would be constructed  where necessary to replace
          conventional  on-site systems.   A management agency,  with  the
          authority  to acquire land  for cluster  systems  and easements
          for  access  to  on-lot systems,  to monitor groundwater impacts
          of   the    systems,  and  to  perform  routine   and  emergency
          maintenance,  would  be  required.    Design  assumptions  of  a
          typical  cluster system are presented in Appendix J-l.
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     o    Continued   Reliance   on   On-lot   Systems.    Detailed   site
          investigations   (sanitary  survey,   groundwater  analyses,  and
          soil studies) may  indicate  that partial sewering and  off-lot
          technologies   are  not  necessary  to   remedy  water   quality
          problems.   If   so,   only   rehabilitation   of   failing  on-lot
          systems  would be needed.

     Selection of  the most reliable  technologies   on   the   basis   of
specificity to the site(s).

2.   ALTERNATIVES

     The action proposed by the Facility  Plan has  been compared with the
"do-nothing"  (no  action)  alternative, a  "limited action"  alternative,
and  six  new  approaches   developed  in  this  EIS.    The alternatives,
discussed below,  are  summarized in  Table III-l,  and Table III-2 lists
the cost-effectiveness  of  each.

a.    No  Action

     The  EIS  process  must  evaluate  the  consequences  of  not taking
action.  This "no  action"  alternative implies that EPA would not  provide
funds  to  support  new construction,  upgrading,  or expansion of existing
wastewater  collection   and  treatment   systems.   Presumably,   no  new
facilities would be built; wastewater would  still  be  treated in existing
plants and on-site systems.

     If  this  course  of  action were taken,  additional flows  to the
primary treatment  plants  at Frankfort and  Elberta would be prohibited
because the  plants  are already  overloaded  and have difficulty  meeting
effluent  discharge  standards.    Existing  on-site systems in  the Study
Area would continue to  be  used  in their present conditions.

     The No Action  Alternative  is unlikely  to  be selected.  It  implies
that the  treatment  plants  at Frankfort and  Elberta would violate NPDES
discharge  conditions  when  interim  limitations expired.  Consequently,
new  facilities  to  adequately  treat wastewaters  from  Frankfort  and
Elberta would be needed in the  near  future.

b.    Limited Action

     The "limited action" alternative  includes a  new treatment  facility
for treating  wastewaters  from  Frankfort  and Elberta.  This  consists of:

     o    Treatment of wastewaters  from  Frankfort and Elberta at a new
          RBC  plant in Frankfort  discharging  to Betsie Lake.  Design
          flow for the  plant would be 0.33 mgd.

     o    Treatment of  wastewaters from Beulah  at  the Village's  existing
          treatment facility.

     o    Decentralized collection  and treatment  in all  other parts  of
          the  Study Area.   Where  appropriate,  malfunctioning on-lot
          systems  would be  repaired  or replaced.  For the northeast and
                                   123

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                                                  Table III-2

                                   COST-EFFECTIVE ANALYSIS OF ALTERNATIVES
                  Facility Plan                                      ALTERNATIVES
                    Proposed      Limited
                     Action       Action      EIS 1      EIS 2      EIS 3      EIS 4      EIS 5     EIS 6

Present Project
  Cost              17,302.7      4,563.6   17,037.8   15,636.9   11,358.3   11,005.8   12,080.9   8,267.0

Future Project
  Cost               2,467.4      1,076.0    2,717.1    2,717.1    1,885.0    1,885.0    1,885.0   1,550.9

Total Present
  Worth             18,320.5      7,449.2   19,574.6   17,640.3   13,202.7   12,265.6   13,972.4  10,524.4

Average Annual                                                                                                 
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          southeast  shore  of  Crystal  Lake,  detailed  engineering and
          environmental   studies,  performed  during  the  design  phase,
          would indicate  the most  appropriate technology.   It  may be
          that  these parts  of  the  Study  Area  are  most  suited for
          continued  reliance upon   septic  systems,   or   that  cluster
          systems  may be  required.   Alternatively,  pressure sewers may
          be required to  connect  the northwest and southeast shoreline
          areas to  the  existing sewerage system  in Beulah.  The  costs
          developed  for this  Limited Action Alternative are predicated
          on the  assumption  that cluster systems  will be  required for
          the northeast  and  southeast shorelines.

     This alternative would  require formation  of  a managing agency to
acquire  rights-of-way and easements,  to provide routine inspection and
maintenance, to periodically monitor groundwater, and to collect service
fees.

c.    Facility Plan Proposed Action

     The Facility Plan  recommended  treatment  of all wastewaters in the
Proposed Service  Area  at an  RBC  treatment  facility handling 0.89 mgd.
The  plant,  located  in  Frankfort,  would  discharge  effluent to Betsie
Lake.   The  plant  would use  chemical addition  and microstraining for
removal  of  nutrients.    See  Chapter I  for  a brief  description  of the
Proposed Action.  The design  of the proposed  facilities was outlined in
detail in Chapter  8 of  the Crystal Lake  Area Facility Plan  (Williams and
Works 1976).

     The Proposed  Service Area  and  location  of the proposed RBC  plant
are illustrated in Figure 1-4.   A  list of  the  facilities included in the
design of the plant may be found in  Appendix J-2.

d.    EIS  Alternative 1

     EIS Alternative 1  proposes centralized  collection and treatment of
wastewaters as  with  the Facility  Plan,  but with pressure  sewers, rather
than gravity, as the collection  system around  Crystal Lake.   The Service
Area would be identical to that  proposed by the  Facility Plan.

     The  pressure  sewer  system,  collecting  approximately  26%  of the
projected  design   flow,  would  discharge  into  a  force main  north of
Frankfort.  The area to be  served  by  the  system,  the treatment  plant
location, and  the  transmission  line routing  are shown  in  Figure III-4.

e.   EIS Alternative  2

     EIS Alternative 2  also  modifies an  alternative  in  the  Facility Plan
to  use  pressure   sewers around Crystal  Lake.   In  this  alternative
pressure  sewers  have   been  applied  to Facility  Plan Alternative 3,
consisting  of  the  centralized  collection of  0.89  mgd of  wastewater,
treatment  in  an  aerated  lagoon  and  disposal  by  land  application.
Although  the  service area  is the  same as  for EIS  Alternative  1, the
                                   125

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                                                                     LEGEND
                                                           • PUMP STATION
                                                           • MANHOLE
                                                       	 GRAVITY SEWER
                                                       	 FORCE MAIN
                                                              PRESSURE SEWER
                                                       &\V"-.vl EXISTING GRAVITY  SEWER
                                                                  COLLECTION
                                                              PROPOSED GRAVITY  SEWER
                                                                  COLLECTION
                                                                                              MILES
                   PROPOSED
                 '.'/1 BIO-DISC
                     PLANT
                                                         LAND TREATMENT
                                                           FROM BEULAH
Figure III-4:   EIS  Alternative 1:
                Proposed Wastewater Facilities
                                                                                                         vO

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configuration differs.   In  EIS Alternative 2, wastewaters  are  conveyed
to the eastern part  of  the  Study Area; the previous  alternative  routed
wastewater to the west.

     Wastewaters  in  the Study Area  would be  conveyed  to Benzonia,  as
shown  in Figure  III-5,  and  treated in  an  aerated lagoon.  Treated
effluent would be applied to the land by  spray irrigation.   A solid-set
irrigation system for commercially farming white pine was  incorporated
into the design and  cost of  this  alternative.

     Three  possible  locations  for  the   land  application  system  are
identified  in  Figure  III-3.  Design  and costing  assumptions used  in
developing this  EIS alternative  are  presented in Appendix  J-l.   Major
components  of  the  alternative and  the  costs  of  these  components  are
listed in Appendix J-2.

f.   EIS  Alternative  3

     EIS Alternative 3 is based on decentralized treatment of wastewater
in part of the Study Area.   However, site  conditions  along the northeast
and  southwest  shore of  Crystal  Lake are  assumed to  be  unfavorable  for
septic systems,  so  wastewater from these areas would  be  collected  by
pressure sewers as shown in  Figure III-6.

     Frankfort, Elberta, and the southwest Crystal  Lake  shore area would
discharge their  wastes  to  a new RBC  plant  in Frankfort.   Wastewaters
from Benzonia Township  and  Benzonia Village  would  be treated in lagoons
and  applied  to the  land.  The RBC plant would have a hydraulic capacity
of  0.45  mgd; the land  application  system would  be  able to treat 0.18
mgd.

     The  remaining   portions  of  the  Crystal  Lake  shoreline would  be
served by a  combination of  cluster systems and on-site  systems suitable
to  local  soil  conditions.   These areas are shown  in  Figure III-6.  The
preliminary  design,   comparison,  and assessment of  decentralized systems
were based upon the  following assumptions:

     Cluster Systems.  Cluster systems would  be used for those parts of
the  Proposed Service  Area   where  small   lot  sizes or soil limitations
preclude  on-site  systems.   Sixteen cluster  systems  are assumed  to  be
needed;  suitable  soils  exist  at the sites for which these systems  are
proposed.  The costs  developed were based on a "typical" cluster system
that  would   serve 23 residences  located  along the  south shore  of  the
Lake.

     On-lot  Systems.  Residences not served by sewers or cluster systems
would use on-lot  systems.   This  alternative  would include  a program of
replacement  and  rehabilitation  of  malfunctioning  systems   in  order  to
insure compliance with local health codes.

     The  specific  requirements  for  upgrading  existing  on-lot systems
were  estimated  by analysis  of the  data  presented in the  Crystal Lake
sanitary  survey, the  "Septic Snooper" investigation, and other environ-
mental data.   Based  upon these,  the following upgrading assumptions (by
                                   127

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                                                                    LEGEND
                                                             PUMP STATION
                                                             MANHOLE
                                                             GRAVITY SEWER
                                                             FORCE MAIN
                                                             PRESSURE SEWER
                                                             EXISTING GRAVITY SEWER
                                                                 COLLECTION
                                                             PROPOSED GRAVITY SEWER
                                                                 COLLECTION
                                                                                              MILES
Figure HI-5:  EIS Alternative 2:
               Proposed Wastewater Facilities
                                                                                                        00
                                                                                                        CSl

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                                                                  LEGEND
                                                         • PUMP STATION
                                                    	 FORCE MAIN
                                                           ON SITE DISPOSAL  OR CLUSTER
                                                               SYSTEMS

                                                           EXISTING GRAVITY  SEWER
                                                               COLLECTION

                                                           PROPOSED GRAVITY  SEWER
                                                               COLLECTION

                                                           LAND APPLICATION  SITE (OTHERS
                                                               UNDER CONSIDERATION ARE
                                                               IN FIGURE III-4)
                                                                                            MILES
                                                              USE ^i'ii^V'-'--.
                                                            EXISTING	
                                                            SYSTEM feflENZON1A=
                                                            (LAND
Figure III-6:  EIS  Alternative 3:
               Proposed  Wastewater  Facilities

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shoreline  area)  were  used in  the design  and  costing of  alternatives
involving continued use of on-site systems:

                           Existing Systems

                                        Shoreline Area
                                   NE    NW    W    SW     SE
Replace septic tanks               50%   50%  20%  60%   60%
Replace drainfields                60%   50%  30%  40%   50%
Hydrogen peroxide renovation       10%   10%  10%  10%   10%
 of drainfield

                            Future Systems

                                                  1980-2000

Conventional septic tank and drainfield              55%
Improved performance system                          20%
 (e.g, dosing system)
Mound systems                                        25%
Hydrogen peroxide renovation                         2% per year
     Design and costing assumptions used in developing EIS  Alternative 3
are presented  in Appendix J-l.   Major components of EIS  Alternative 3
and their costs are listed in Appendix J-2.

g.   EIS  Alternative 4

     The  fourth  EIS   alternative  for  the Crystal  Lake  area  includes
decentralized  treatment  of  wastewater  for the  same portions  of  the
Crystal Lake  shoreline as in  EIS Alternative  3.   All other  centrally
collected  wastewaters  would be  treated by  a  land  application  system.
EIS Alternative A is illustrated in Figure III-7.

     The  central  land application  system  is similar to that  described
for EIS Alternative 2  but the hydraulic capacity has been decreased to
0.65 mgd.

     Design and cost assumptions used in developing this  alternative  are
presented  in Appendix  J-l.   Major  components  of  the alternative  and
their costs are listed in Appendix J-2.

h.   EIS  Alternative 5

     EIS  Alternative   5   proposes  the  same   partially  decentralized
treatment of wastewater as EIS Alternative 3. Flows from other parts of
the   Proposed  Sewer   Area,  the  northeast   shore,   and   from   the
Crystalia-Pilgrim  area would be  treated  at a  new RBC plant located in
Frankfort.  As in Alternative 3, the plant design would include advanced
treatment for nutrient removal and discharge of  plant effluent  to Betsie
Lake.  This alternative is illustrated in Figure III-8.
                                   130

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                                                             LEGEND

                                                       •  PUMP  STATION
                                                  	  FORCE MAIN
                                                          ON  SITE DISPOSAL  OR  CLUSTER
                                                              SYSTEMS

                                                          EXISTING GRAVITY  SEWER
                                                              COLLECTION

                                                          PROPOSED GRAVITY  SEWER
                                                              COLLECTION
                                                          LAND APPLICATION  SITE  (OTHERS
                                                              UNDER CONSIDERATION ARE
                                                              IN FIGURE III-4)
                                                                                          MILES
                                                                                              I
                                                                                              2
Figure III-7:  EIS Alternative 4:
               Proposed Wastewater Facilities

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           LEGEND
      PUMP  STATION
      GRAVITY  SEWER
	 FORCE MAIN
      ON SITE  DISPOSAL OR CLUSTER
            SYSTEMS
      EXISTING GRAVITY SEWER
            COLLECTION
      PROPOSED GRAVITY SEWER
            COLLECTION
iijlll LAND  APPLICATION SITE (OTHERS
            UNDER CONSIDERATION ARE
            IN  FIGURE 111-4)1	1
                                                                                              MILES
                                                              XISTING
                                                              LAND
                                                            TREATMENT
Figure III-8:  EIS Alternative  5:
               Proposed Wastewater Facilities

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     The RBC  facility  would be  designed  along lines  similar to those
developed in  the  Facilty Plan  but  the design  flow would be 0.65 mgd.
Design  and  costing  assumptions  used  in developing this alternative are
presented in  Appendix J-l.   Major  components  of  the alternative and
their costs  are listed  in Appendix J-2.

i.   EIS Alternative  6

     EIS Alternative 6  proposes  treatment  similar  to  that  of Alternative
3.  A  new  RBC plant,  located  in Frankfort,  would serve Frankfort and
Elberta.  The plant would be designed  to  remove nutrients; 0.33 mgd of
effluent would be discharged to Betsie  Lake.  An aerated lagoon land
application  system  would  serve  the  Benzonia  Village  area  and  the
northeast   shore   of   Crystal   Lake.   Wastewater  renovated  by  land
application would  be  recovered and  0.18  mgd discharged  to  the Betsie
River.

     Cluster  systems would  serve groups  of houses along the southeast
shore  of  Crystal  Lake.   In  the   remaining part of  the  Study  Area
continuing  emphasis would be placed upon restoring and  rehabilitating
septic systems.  This  alternative is  illustrated in Figure III-9.  Major
components  of the alternative   and  their  costs are  listed in  Appendix
J-2;  Appendix J-l  contains  the design   and  cost assumptions  used  in
developing this alternative.

3.   FLEXIBILITY

a.   No Action

     The No  Action Alternative maintains  the  existing  conditions and
places no additional planning and design restrictions upon the treatment
of wastewater.  Because  no  action  is taken at present, the  flexibility
for future  planning is  high  compared to  an alternative recommending an
extensive commitment of resources.

b.   Limited Action

     A  new  RBC plant at Frankfort to serve  the   Frankfort and  Elberta
areas would replace existing primary treatment plants.   Existing on-site
septic  systems  would  be  repaired  and  upgraded, and cluster  systems or
other  collection  techniques would  be employed for  the  northeast and
southeast shores.   The main benefit of  the Limited Action  Alternative is
that  it would  meet environmental  requirements,  while leaving  maximum
flexibility  for  future  planning and  design changes  in  the unsewered
sections of the Study Area.

c.   Facility Plan Proposed Action

     A  centralized  treatment facility for  all wastewater flows within
the  Proposed  Service  Area  would   reduce  the  flexibility  for future
planning  and  design  changes   concerning  wastewater  treatment.   This
alternative  would  relegate  the entire   Proposed  Service Area  to one
treatment  scheme   and  involve  an   extensive  commitment  of  resources.
However, the  modular  characteristic of the RBC plant  does  allow some
capacity for  expansion if future demands warrant it.

                                   133

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                 LEGEND

       PUMP STATION

	 FORCE MAIN

       ON SITE DISPOSAL OR  CLUSTER
           SYSTEMS

       EXISTING  GRAVITY SEWER
           COLLECTION

       PROPOSED  GRAVITY SEWER
           COLLECTION
    JJJLAND APPLICATION SITE  (OTHERS
           UNDER CONSIDERATION ARE
           IN FIGURE III-A),	r-
                                                                                             MILES
                      PROPOSED
                      BIO-DISC
                       PLANT
                                                             (LAND
                                                           TREATMENT)
Figure III-9:  EIS Alternative  6:
               Proposed Wastewater Facilities
                                                                                                        ro

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d.   EIS Alternatives  1 and 2

     EIS Alternatives  1 and  2 both  employ  collection by low pressure and
gravity sewers and  centralized  treatment  of all wastewaters within the
same proposed Service Area as  in the Facility Plan Proposed Action.  In
Alternative  1  wastewater  is   treated  by   an  RBC  plant  located  in
Frankfort.   In Alternative 2 land  application near Benzonia is used for
treatment  of  wastewater.  As  with the Facility  Plan  Proposed Action,
these alternatives would  relegate  the entire Proposed Service Area to a
single  treatment  scheme.   The  resulting  commitment  of  resources  and
reduction   in  future   planning  and  design   flexibility   would  be
significant.

e.   EIS Alternative 3

     EIS  Alternative   3   allows for  future expansion  and  change  in
treatment  technique using  a  combination  of   conventional,  land,  and
on-site treatment.  Only  those  areas not  suitable for on-site treatment
would  be  sewered,   thus  reducing capital costs.   This  alternative
provides flexibility for  future  expansion because of  the many modes of
treatment  used.   Also,   the  decentralized   nature  of  the alternative
allows  the flexibility  to  base future   decisions  concerning land use
development upon local conditions.

f.   EIS Alternatives  4 and  5

     Alternatives  4 and 5 would serve the  same sewered area as suggested
in  Alternative  3.   In Alternative  4,  all  sewered  wastewater would be
routed  to  a  land  application  site in Benzonia.   With Alternative 5,
sewered wastewater  would be routed to  a  RBC plant  in Frankfort.  Like
Alternative 3, Alternatives 4  and  5 would rely upon on-site  systems to
treat   wastewater   in areas   deemed   suitable.   The   flexibility  of
Alternatives  4 and  5  is  slightly less  than  Alternative  3 because  of the
reduced  number  of  suggested   treatment  mechanisms  and the  reduced
decentralization.   Future expansion would be slightly more difficult to
plan and design.

g.   EIS Alternative  6

     Alternative  6  calls  for  centralized  treatment  of wastewater for
Frankfort,   Elberta, Benzonia,  and  the  northeast shore of Crystal Lake.
Remaining  areas   around   Crystal  Lake   would use cluster  systems and
upgraded septic  systems.  This  alternative provides a  fair  degree of
flexibility for  future  expansion because  a  combination  of  conventional
and  land   application facilities are  recommended, making two modes of
treatment  available for  future expansion.  Also,  because  the  entire
Proposed Service Area is  not being sewered, the immediate commitment of
resources  is  not  as great as  the Proposed  Action in the Facility Plan.
This allows some  ability for  future expansion  and changes in localized
planning.    On the  other hand,  the absence of  centralized  facilities
limits  the opportunities for  development  of additional  building  sites.
                                   135

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4.   COSTS OF  ALTERNATIVES

a.   Total Project  Costs

     Project  costs were  grouped  by  capital  expenses,  operating and
maintenance  expenses,  and  salvage  values  of  the equipment  for each
alternative.   A  contingency  fund  amounting  to   approximately  25% of
capital and  salvage value was included to provide for such expenses as
engineering   and  legal  fees,   acquisition  of  rights-of-way,  and
administration.   The  methodology and  assumptions  used  in the analyses
are described  in Appendix J-l.   Detailed costs for each  alternative are
presented in Appendix J-2.

     Table III-2 summarizes  present and future  project costs for  each of
the  alternatives.  The analyses  of  total present  worth  and   annual
equivalent  costs of  each alternative  are also presented there.   (Debt
service on financing the local share is not  included.)

b.    Federal/State   Cost  Sharing  and Remaining  Local   Costs

     The Proposed  Rules and  Interim Regulations  for the  Clean Water Act
of  1977 (EPA  1978)  address  Federal  funding  of  wastewater collection,
treatment,  and  related  facilities.   Appendix   J-3  summarizes  these
proposals  and  regulations.  The  1977 Act differs  significantly from the
Water  Pollution Control Act  of  1972.   For example,  Federal funding of
facilities  using  innovative  and  alternative  technologies  has been
increased from 75% to 85%.

     Michigan's   share  of  the   capital  costs   of  pollution   control
facilities is related to Federal eligibility requirements.   In the past,
the  State  has   funded  5% of  those project  costs  eligible  for  Federal
funds.  With respect  to facilities eligible  for 85% Federal  funding, the
State   has   decided   to  maintain  the  same  5%  funding  as   before.
Consequently,  the remaining  local  costs  would be 20% for  conventional
facilities and  10% for  alternative or innovative  ones.

     Some  uncertainties about local costs will remain until the extent
of  the collection system that would be eligible  for Federal funding and
until  the  nature  of  the management system that would be instituted if
on-lot and cluster systems  were part  of  the wastewater  management plan
are known.

     The RBC plant should  be eligible  for  75%  Federal funding as the
plant  represents a conventional treatment technology.  Land  application,
however, is  an alternative  technology eligible for 85%  Federal  funding.
Interceptor  sewers connecting Frankfort  and  Elberta  to the RBC plant,
and  a  collector sewer  for the northeast shore were assumed  eligible for
75% Federal  funding.

     Rehabilitation  and  replacement  of  existing on-site  systems and
construction of cluster systems  would  be  eligible  for  85%  Federal
funding:   Under private ownership the only systems eligible for  Federal
funds  would be  those serving permanent  residents.  If the  systems were
publicly owned,  both  seasonal and permanent residents  could  benefit from
Federal and  State  funding.

                                    136

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5.   ENGINEERING AND  ECONOMIC ANALYSIS OF
     FLOW  REDUCTION DEVICES

     Economies could be  effected through use of household  flow  reduction
devices.  A  listing of devices  used for reducing residential  flows  is
presented  in Appendix  1-3.   This  Appendix  also contains  cost  data,
equipment lifetimes, and  indication of  the potential savings  of  water
associated with each device.

     The incremental costs  of  flow  reduction are presented  in  Appendix
1-2.   Implicit  in  this Appendix is the  assumption that  installation
costs  would  be   approximately  equal   for  conservation-oriented  and
conventional devices.

     Design  flows  for  the  Facility  Plan Proposed  Action  and for  EIS
Alternatives 1 and  2 could  be  reduced from 0.89  mgd  to  0.71  mgd if dual
cycle  toilets  and  flow control valves for  shower  heads and  lavatory
faucets were installed  in all sewered residences.

     This reduction  of  flow would reduce capital expenses and  operation
and  maintenance  costs  for  facilities.   To estimate this cost  savings,
Alternative  2  was  re-examined  on the basis  of  the  lower design  flow.
Savings in the pressure sewer  system are attributable primarily to size
reductions for new  force  mains.  The capital costs for  land  application
treatment processes are  also reduced.   The total  savings associated with
flow  reduction  for Alternative 2  amounted to  $567,000  in  capital
expenditure  and   approximately $8,000  per  year  in   operation  and
maintenance  costs.   In  terms  of economics the  present worth* of  flow
reduction ($596,000) would  amount to  3.4% of the total  present worth of
Alternative 2.

     To achieve these savings local  plumbing codes would have to require
flow reduction devices  in new housing and, as necessary, for  replacement
of old fixtures.   The approximate savings over the 20-year design period
is $410,000, equivalent  to $112 per  design-year dwelling unit.

     Although costs  of  flow reduction have not been analyzed  in detail
for  the other  alternatives,  total annual homeowner savings  in  the  range
of  $100 to  $125  have been estimated for dwellings in the  sewered areas.
As  discussed  in  Section  IV.B.l.a,  decreased  water  consumption  and
heating costs are included in these  savings for the homeowner.

     In  unsewered  areas  the  savings  are  harder   to  calculate.    The
parameters that  determine whether or not soil disposal systems operate
properly are not well understood.  Consequently,  conservative,  empirical
criteria for design are  used.  Although reduced design flows  may justify
smaller soil disposal systems,  most  state agencies are  conservative with
respect to such changes.

     Flow  reduction measures  probably  improve  the  operation of  soil
disposal systems  and,  therefore, may  serve as  insurance against  early
failures.   Where rehabilitation of septic  systems  is necessary,  flow
reduction devices  such  as  composting  and  recycling toilets,  which may
not  be cost effective,  may be required to  forestall repeated failure.

                                   137

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D.   IMPLEMENTATION

     How a wastewater management  plan is to be implemented depends  upon
whether  the  selected  alternative  relies  primarily upon  centralized  or
decentralized  components.   Since  most sanitary  districts  have in the
past  been  designed  around  centralized  collection  and  treatment  of
wastewater,   there   is   a   great   deal   of   information  about  the
implementation of  such systems.   Decentralized collection and  treatment
is, however, relatively new and there is little management experience  on
which to draw.

     Regardless  of   whether   the  selected  alternative  is   primarily
centralized or decentralized, four aspects of the implementation program
must be addressed:

     o    There must  be  legal authority for a managing  agency  to exist
          and financial authority for it to operate.

     o    The  agency  must manage  construction,  ownership  and  operation
          of the sanitary district.

     o    A choice must  be made between the several types  of  long-term
          financing that  are generally  required in paying for capital
          expenditures associated with the project.

     o    A system of user  charges  to retire  capital  debts,   to cover
          expenditures  for operation and maintenance,  and  to  provide  a
          reserve for  contingencies must be established.

     In  the  following sections,  these requirements are  examined first
with  respect   to  centralized sanitary districts,  then  with respect  to
decentralized districts.

1.   CENTRALIZED DISTRICTS

a.   Authority

     The Crystal  Lake Area  Facility Plan  identified the  Benzie County
Board  of  Commissioners  as  the  legal authority  for  implementing the
Plan's  Proposed  Action.   The  Benzie County Department  of  Public Works
would  be  the operating  division which  would  construct,  operate and
maintain  the  wastewater  management  system.    Under  Act  185  of  the
Michigan Public Acts  of 1957 as amended, the County has  the authority  to
implement this  system and to contract with the  villages,  townships and
Frankfort City for services.

b.    Managing Agency

     The  role  of  the  managing  agency  has   been well  defined  for
centralized  sanitary  districts.   In general,  the  agency constructs,
maintains  and  operates  the  sewerage  facilities.   Although  in   fact
different contractual  relationships exist between the agencies  and their
service areas, for the purposes of this document ownership of the
                                   138

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facilities  may  be  assumed  to  reside with  the  agency.   For  gravity
sewers,  such  ownership  has   traditionally  extended  to   the  private
property.    For  STEP  or  grinder pump  stations  connected  to  pressure
sewers several options exist:

     o    The station may be designed to agency specifications, with the
          responsibility  for   purchase,   maintenance   and   ownership
          residing with the  homeowner.

     o    The station may be specified and purchased by  the  agency,  with
          the homeowner repurchasing and maintaining it.

     o    The station may  be  specified  and owned  by  the  agency,  but
          purchased by the homeowner.

     o    The  station  may  be  specified,  purchased  and owned by  the
          agency.    Regardless,   however,  of  the  option selected,  all
          residences are treated equally.

c.   Financing

     Capital  expenses  associated  with  a  project may  be  financed  by
several  techniques,  which  are  discussed  in  detail in Appendix  J-4.
Briefly, they are:

     o    pay-as-you-go methods;
     o    special benefit assessments;
     o    reserve funds; and
     o    debt financing.

     The Facility Plan recommended debt financing in the form of 40-year
revenue bonds  for  the  Proposed  Action.  As indicated  in Appendix  J-4,
revenue  bonds  generally  have  not  been  used  in  Michigan;  General
Obligation bonds have been more widely offered.

d.   User Charges

     User charges  are set at  a level that will provide  for  repayment of
long-term  debt  and  cover   operating  and  maintenance  expenses.    In
addition, prudent  management agencies  frequently add an extra charge to
provide a contingency fund for extraordinary expenses and replacement of
equipment.

     The  implementation program  proposed  by  the  Facility Plan is  an
example  of  a scheme  calling  for  a  County  to  recover the  costs  of
wastewater management from the local municipalities.  The municipalities
would,  in  turn,   charge the  users  of  the  system.    Because  of  the
potential  economic  impacts,  the  charges  must  be  carefully  allocated
among  various  classes  of users.   Recognized  classes of users include:

     o    Permanent residents/Seasonal residents
                                   139

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     o    Residential/Commercial/Industrial users
     o    Presently sewered users/Newly sewered users
     o    Low- and fixed-income residents/Active income producers

     Each class of user imposes different requirements on the design and
cost of each alternative, receives different benefits, and has different
financial  capabilities.   To   illustrate  the  allocation of  techniques
available,  three possible  user-charge  schemes  have  been examined  in
Appendix J-5.

2.   SMALL WASTE FLOW DISTRICTS

     Regulation of on-lot  sewage  systems has evolved to the point where
most  new  facilities   are  designed,  permitted and  inspected by  local
health  departments   or  other  agencies.    After  installation,   local
government  has  no further  responsibility  for these  systems  until  mal-
functions  become  evident.    In  such  cases  the  local  government  may
inspect and issue permits for repair of the systems.  The sole basis for
government  regulation in this field has been  its  obligation  to protect
public health.

     Rarely have  governmental obligations  been interpreted more broadly
to  include  monitoring and control of other effects of on-lot system use
or  misuse.   The  general absence of information concerning septic  system
impacts on ground and  surface water quality has been coupled with  a lack
of  knowledge of the operation of on-site systems.

     Methods  of  identifying  and  dealing  with  the adverse  effects  of
on-lot  systems  without building  expensive sewers  are  being developed.
Technical  methods include  both  the  wastewater treatment  and  disposal
alternatives discussed in Section III.B and improved monitoring of water
quality.   Managerial  methods  have already been  developed  and are being
applied in various communities as discussed in Appendix K-l.

     As  with any centralized district,  the issues  of  legal  and  fiscal
authority,  agency management, project financing,  and  user charges  must
all be resolved by small waste flow districts.

a.   Authority

     Michigan presently has  no  legislation  which explicitly authorizes
governmental  entities to manage wastewater  facilities  other  than those
connected   to  conventional   collection   systems.    However,  Michigan
Statutes  Sections  123.241   et  seq.  and  323.37  et  seq.  have  been
interpreted  as  providing counties, townships, villages  and cities  with
sufficient  powers to  manage  decentralized facilities  (Otis and  Stewart
1976).

     California  and  Illinois,  to  resolve interagency conflicts or  to
authorize access  to private properties for inspection and maintenance of
wastewater  facilities, have passed legislation specifically intended to
facilitate  management of  decentralized  facilities.    These laws  are
summarized  in Appendix K-2.
                                   140

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b.   Management

     The purpose of  a  small  waste flow district is to balance the costs
of management with the needs  of public health and environmental quality.
Management of such a district  implies formation of  a  management agency
and  formulation  of  policies for  the  agency.  The  concept of  such  an
agency  is  relatively  new.   Appendix  K-3  discusses   this concept  in
detail.

     The range of functions a management agency may provide for adequate
control  and use  of  decentralized  technologies is  presented  in Table
III-3.  Because the level of funding for these functions could become an
economic  burden,  their costs  and benefits should be  considered in the
development of the management  agency.   Major decisions which have to be
made  in  the  development  of  this  agency  relate  to  the  following
questions:

     o    Should engineering and operations functions be provided by the
          agency or by private organizations under contract?

     o    Would off-site  facilities  require acquisition of property and
          right-of-way?

     o    Would  public  or  private  ownership  of  on-site  wastewater
          facilities  be more likely to provide cost savings and improved
          control of facilities operation?

     o    Are there environmental, land use, or economic characteristics
          of  the  area   that   would  be  sensitive  to  operation  and
          construction  of  decentralized  technologies?   If  so,  would
          special   planning,   education   and  permitting  steps   be
          appropriate?

     Five  steps  are  recommended  to  implement an  efficient,  effective
program for the management of wastewater in unsewered areas:

     o    Develop  a   site-specific environmental  and  engineering  data
          base

     o    Design the management organization

     o    Agency start-up

     o    Construction and rehabilitation of facilities

     o    Operation of facilities

     Site Specific Environmental and Engineering Data Base.    The  data
base should  include  groundwater monitoring, a house-to-house investiga-
tion  (sanitary survey),  soils  and engineering studies, and a  survey of
available technologies likely  to function adequately in the area.  This
baseline  information will provide  the  framework  for the  systems and
technologies appropriate to the district.
                                   141

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                                    Table  III-3

          SMALL WASTE FLOW MANAGEMENT FUNCTIONS  BY  OPERATIONAL COMPONENT
                        AND BY BASIC AND SUPPLEMENTAL  USAGE
   Component
       Basic Usage*
    Supplemental Usage*
Administrative  User charge system
                Staffing
                Enforcement
Engineering
Operations
Planning
Adopt design standards*
Review and approval of plans*
Evaluate Existing systems/
  design rehabilitation
  measures
Installation inspection*
On-site soils investigations*
Acceptance for public
  management of privately
  installed facilities

Routine inspection and
  maintenance
Septage collection and
  disposal
Groundwater monitoring
Grants administration
Service contracts supervision
Occupancy/operating permits
Interagency coordination
Property and right-of-way
  acquisition
Performance bonding
  requirements

Design and install facilities
  for public ownership
Contractor training
Special designs for alternative
  technologies
Pilot studies of alternative
  technologies
Implementing flow reduction
  techniques
Emergency inspection and
  maintenance
Surface water monitoring
                                Land use planning
                                Public education
                                Designate areas sensitive
                                  to soil-dependent systems
                                Establish environmental, land
                                  use and economic criteria
                                  for issuance or non-issuance
                                  of permits
 * Usage normally provided by local governments at present.
                                      142

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     A program  for monitoring  groundwater  should  include sampling  of
existing wells  and possibly  additional testing  of  the aquifer.   Such
monitoring should be instituted early  enough to provide data  useful  in
selecting and designing wastewater disposal systems.

     The sanitary  survey should  include  interviews  with  residents  and
inspections  of   existing systems.   A  trained  surveyor  should  record
information on lot size and location;  age  and use of  dwelling;  location,
age, and type of sewage disposal  system;  adequacy of the  maintenance of
the existing system; water-using  fixtures;  and problems with the exist-
ing system.

     Detailed site analyses may  be required to evaluate operation of the
effluent disposal fields and  to  determine the impacts  of  effluent dis-
posal  upon local groundwater.   These  studies  may  include probing  the
disposal area;  boring  soil samples;  and  the  installation of  shallow
groundwater observation  shafts.   Sampling  of  the water  table downhill
from  leach fields  aids in  evaluating the  potential for  transport  of
nutrients  and  pathogens through  the  soil.   Soil classifications near
selected leach  fields  may  improve correlations between soils  and leach
field  failures.   An   examination  of  the  reasons   for the  inadequate
functioning of existing  wastewater  systems may avoid such problems with
the rehabilitation or construction of new  systems.

     Design the Management  Organization.  Both the Facility Plan and the
EIS have recommended Benzie County as the  agency best suited to managing
wastewater facilities  in both unsewered and sewered  areas  of  the Study
Area.   An  analysis   of  the  County's  technical  and  administrative
capabilities  as  outlined  in Table  III-3,  should proceed  concurrently
with  development of the environmental  and engineering data  base.  The
role  of organizations  such  as  the  Department of Health  should  be
examined with respect  to avoiding interagency conflicts and duplication
of effort and staffing.

     Determination  of  the  basic  and  supplementary management functions
to be provided will be influenced by the technologies appropriate to the
Study  Area.   In  this  respect,  the  questions raised  earlier  regarding
formulation of management policies must be resolved.

     The product of these analyses should  be an organizational design in
which  staffing  requirements,  functions,   interagency  agreements,  user
charge systems and procedural guidelines are defined.

     Agency Start-Up.    Once the  structure  and responsibilities  of  the
management agency have been defined,  public review is advisable.  Addi-
tional personnel required  for  construction and/or  operation  should be
provided.  If necessary, contractual arrangements with private organiza-
tions  should  be developed.   Acquisition  of property should  also  be
initiated.

     Construction and Rehabilitation of Facilities.   Site  data collected
for the environmental and engineering data base should support selection
and design of  appropriate  technologies for individual residences.  Once
construction and rehabilitation begin, site  conditions may be revealed
                                   143

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that   suggest   technology  or  design   changes.    Since  decentralized
technologies   generally   must  be  designed  to   operate   within  site
limitations instead  of  overcoming them,  flexibility should be provide'd.
Personnel authorized  to  revise  designs  in the field would  provide  this
flexibility.

     Operation of Facilities.   The administrative planning,  engineering,
and operations  functions  listed in Table III-3 are primarily applicable
to  this  phase.   The  role of  the management  agency  would have  been
determined in the organizational phase.   Experience gained during agency
start-up  and   facilities  construction may indicate  that some  lower  or
higher level of effort will be necessary to insure long term reliability
of the decentralized facilities.

c.   Financing

     The financing of a small waste flows district is similar to that of
a  centralized  district.   Such  financing  was  discussed  in  Section
II.D.I.e.

d.   User Charges

     Although  renovation and replacement costs for on-site systems owned
by  permanent   residents  are  eligible for Federal funding,  such costs
incurred  by seasonal residents  are not.  The  major difference  in the
financing  of   the  two  systems  arises from  the question of seasonals'
ownership of  on-site systems.   With  respect to  the  Study  Area, where a
significant proportion  of  the  users  would be seasonal, the absence of
Federal  funding would transfer  a large fraction of the project costs to
the  local users.   This  would be  reflected in  either  1) capital outlays
by  the  users  for   construction,  2)  increased  user   charges  covering
increased local costs or 3) both.

     User charges  and classes have been discussed in Section III.D.l.d.
The  significance  of decentralized districts  lies  in the creation of an
additional  class  of  users.   Since residents  of such  districts  may be
differentiated  in  terms  of  centrally  sewered  areas  and  decentralized
areas,  user charges may differ.  As  a result  many different management
functions are  conjoined.  For example, permanent users on septic systems
may  be charged less than  those  on central  sewers.   Seasonal users on
pressure  sewers may have high  annual costs associated with amortization
of  capital  expenses; permanent  users of pressure  sewers may be charged
less than seasonal  users, because Federal funding  reduced their share of
the  capital costs.   Alternatively, the management agency may choose to
divide  all  costs equally among  all users.  For the analyses in this EIS,
public  ownership of permanent  and  seasonal  on-site   systems  has  been
assumed.

     Problems  such  as  these  have not been  adequately addressed by the
historical  sources   of  management  information.   Development  of  user
charges  by small waste  flows districts  will undoubtedly be complicated
by  the  absence of such historical  records.  EPA  is preparing an analysis
of  equitable  means for recovering costs  from  users in small waste flow
districts and  combined  sewer/small waste flow districts.
                                    144

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                                   CHAPTER IV

                                      IMPACTS
A.   SURFACE WATER

1.   PRIMARY IMPACTS

a.   Eutrophication Potential Analysis

     This section  discusses  the effect of  nutrient loading associated
with  different   wastewater  management  alternatives  upon  the  trophic
status of open waters in  Betsie Lake and Crystal Lake.  To  evaluate the
impact of each alternative, nutrient loading levels for phosphorus were
calculated.   Phosphorus  is  the  limiting  nutrient  for algal  growth in
most temperate zone lakes.  Phosphorus  is also more easily  controllable
than nitrogen.

     The major sources  of phosphorus  for Crystal  Lake and Betsie Lake
were identified  earlier  as:

     o    precipitation

     o    septic  tank  leachate

     o    tributary

     o    non-point source runoff including drainage  from the immediate
          area around  the  lake

     o    wastewater treatment  plant  discharge.

Other  sources  known  to  contribute   to  nutrient   loading  including
groundwater, detritus, waterfowl,  and  release from  sediments  are less
significant in the Study Area  in  terms  of  the time scales considered.

     This analysis  first  used   simple  mathematical  models  to establish
the  existing  trophic  status of Betsie and  Crystal Lakes  in  terms of
total areal  phosphorus  loading levels.  Then future phosphorus loading
scenarios  based  on  wastewater  management  alternatives  were  derived.
Next  a  Vollenweider/Dillon model  projected  the  trophic  status  of the
lakes using derived phosphorus  loading levels.   The  model used in this
analysis is detailed in  Appendix E-4.

     Summary of  Existing Trophic Status.     Given   such    hydrological
features of  the  lake  as  hydraulic retention time  and depth,  the model
generates a "permissible"  phosphorus  loading limit above which a lake is
considered mesotrophic and a "dangerous" phosphorus loading limit above
which  the  lake   is  considered  eutrophic.   The  phosphorus  loading
tolerance  limits  for  Betsie  Lake and Crystal Lake  are  summarized in
Table IV-1.   Existing phosphorus loading levels  derived  in Chapter II
are included for  purpose of  comparison.
                                   145

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                              Table IV-1

                  PHOSPHORUS LOADING LIMITS (g/m2/yr)

                                 Betsie Lake           Crystal Lake

          Permissible              3.23                     0.064
          Dangerous                6.46                     0.132
          Existing                12.39                     0.044

Betsie  Lake  can  assimilate  greater  phosphorus  loads  per  unit  area
because  of  its  relatively high flushing rate  (hydraulic  retention time
of 2 days) compared with that of Crystal Lake (63 years).

     The  current status of  eutrophication of these  lakes can  best  be
summarized in Figure  IV-1.   It shows that  Crystal  Lake is currently in
the oligotrophic category while Betsie Lake is eutrophic.

     Future Load Scenario:  Betsie Lake.   Table  IV-2  shows estimates of
phosphorus  inputs  for Betsie  Lake  for  each wastewater  alternative.
Non-point source runoff was  assumed to remain constant  until  the year
2000, because future land use was uncertain.  These estimated phosphorus
inputs  for  the  alternatives  indicate  that loads  could  be  reduced  by
43-48%, below existing conditions.  The reduction in phosphorus loads is
similar  for  all wastewater  management alternatives  (except  No Action)
because  (1) over 50% of the phosphorus load is from nonpoint sources and
will  not be  controlled by wastewater  management  alternatives  and (2)
effluent  discharged  from  the treatment plant or land application is low
in phosphorus  (1 mg/1  and 0.3 mg/1 respectively).  Three options are
available for reducing the phosphorus to Betsie Lake.

     o    Elimination  of  wastewater  discharge  from  the  Elberta  and
          Frankfort  plants  into  Betsie  Lake.   The  land  application
          alternatives  (2 and  4) which  eliminate discharge  to Betsie
          Lake  have  the  greatest  potential  for  reducing  phosphorus
          loads.   Reduction  in  phosphorus  loads  of  about  48%  are
          anticipated with Alternatives 2 and 4.

     o    Chemical  precipitation.   Design  for  the RBC plant specifies
          phosphorus   removal  by   chemical  precipitation.   Phosphorus
          levels in the effluent discharge with this method will be less
          than  1.0  mg/1.   EIS  Alternative  1  and  the  Facility  Plan
          Proposed  Action would  treat the wastewater from  the entire
          Study  Area  and  the phosphorus loading to Betsie Lake will be
          only  about 10%  greater  than if  land application  is  used for
          the entire Study Area.

     o    A  combination  of  chemical  precipitation  of  phosphorus and
          reduction  of wastewater flow.   EIS  Alternatives 3,  4,  and 6
          propose the use of on-site systems for various sections of the
          Crystal   Lake  shoreline  and   treatment  of  the  remaining
          wastewater  at  the  RBC  plant or by land application.  These
          alternatives are intermediate in hydraulic and nutrient loads.
                                    146

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     •0 H
 CM
  E
oc.
I
    O.I
   0.01
               1 I  I I
             EUTROPHIC
                           O. CRYSTAL LAKE
                           \EXISTING CONDITIONS
                             ALL ALTERNATIVES    3
               O BETSIE LAKE
                XEXISTING
                 CONDITIONS
               ©-ALTERNATIVES 1,3,5,6; LIMITED ACTION;
                        /      PROPOSED" ACTION
                        TIV
ALTERNATIVES 2,4
                                               OLIGOTROPHIC
                     I    l   I  I  I I  I I
                            _L
I    I  1   I  I  I I
       1.0                           10.0
                           MEAN DEPTH(METERS)

              L= AREAL PHOSPHORUS INPUT (g/m^yr)
              R= PHOSPHORUS RETENTION  COEFFICIENT (DIMENSIONLESS)
              P= HYDRAULIC FLUSHING RATE (yr"1)
                                                100.0
  FIGURE EM   TROPHIC  STATUS OF BETSIE LAKE AND CRYSTAL LAKE
                                  147

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                                  Table IV-2

                 ESTIMATES OF PHOSPHORUS LOADS TO BETSIE LAKE
                   FOR THE WASTEWATER TREATMENT ALTERNATIVES
   ALTERNATIVES
PHOSPHORUS LOAD
g®/m2/Yr(Lb/Yr)
 % ABOVE
DANGEROUS
  LIMIT
 % REDUCTION
OVER EXISTING
 CONDITIONS
Alternatives 2 & 4
Limited Action
Alternative 6
Alternative 3
Alternative 5
Alternative 1 and
Proposed Action

Existing Conditions
and No Action
     6.47  -
 (14.4 X 10 )

     6.91   ^
 (15.40 X 10 )

     6.96   „
 (15.51 X 10 )

     7.0
 (15.71 X 10 )

     7.1
 (15.80 X 10 )

     7.1
 (16.55 X 10 )

    12.39  ^
 (27.6 X 10 )
   0.2


   6.4


   7.0


   7.0


   9.8


   8.8


   48
     48%


     44


     44


     44


     43


     43
                                     148

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          Phosphorus loads  would be  reduced by  43-44% as  compared  to
          with present  conditions.

     With any of the available  options the phosphorus  reduction  is  not
significant  enough to  change  the  trophic  status  of  the  lake  from
eutrophic to  mestrophic  according to  Dillon's  model;  in  all  instances
the~loads are slightly greater  than  Dillon's "tolerance limits" of 6.46
g/m /yr  for  Betsie Lake.   However,  the  reduction  in phosphorus  input
(43% - 48%) provided by the wastewater treatment alternatives represents
a  significant  achievement  in correcting  the eutrophication problem  in
Betsie Lake.  Phosphorus concentration in the lake  will be lowered as a
result of the proposed  project.   Unfortunately,  data deficiency prevents
the prediction of  the  subsequent decline in algal  growth  at this time.
In  any  case,  the  proposed  action is  the first  step  towards  restoring
Betsie Lake.

     Future Load Scenario:   Crystal Lake.  In marked  contrast  to Betsie
Lake,  Crystal  Lake  has  been  shown  to  be  oligotrophic under  existing
conditions.  Inasmuch as  total phosphorus loads  shown in Figure IV-1 are
well within  the  "permissible"  limits and because phosphorus  loads from
on-site  systems  are but a  small portion  (6.7% or less)  of  the  total,
none of  the  alternatives is anticipated to have a significant effect on
the  quality  of  the  open  water.    Localized  shoreline  eutrophication
resulting  from  septic  tank leachate  and non-point  sources is  discussed
in Section IV.A.l.b.

     Table  IV-3  shows  estimated phosphorus  loads   for  the  existing
conditions, decentralized,   and  centralized  alternatives.   The following
assumptions were made in deriving the nutrient loads:

     o    Phosphorus  loads   from  ST/SAS  were  assumed   to   be  0.25
          Ib/cap/day  and  corrected   for  seasonal   residency.    A  14%
          increase in nutrient loads  from ST/SAS was anticipated for the
          year 2000.  This  figure  was based on the  calculated number of
          homes and ST/SAS  which could be constructed on half acre lots
          where soils  are  suitable  for ST/SAS.  Based upon results  of
          the  "Septic  Snooper"  survey  (Kerfoot  1978) the  septic tank
          load estimate is  considered to be conservatively high.

     o    Phosphorus loads  from Cold  Creek were based upon data provided
          by Tanis (1978).

     o    Phosphorus  loads  resulting  from  changes  in  land  use were
          estimated by using Omernik's  regression  model.   This  model,
          detailed  in  Appendix  E-2   approximates  the  total  phosphorus
          (and  nitrogen)  concentration  in  surface  water  runoff based
          upon  the  influence  of  agricultural,  residential/urban,  and
          forested land in the watershed.

     The  estimated  loads   readily  show unchanged trophic  status  of
Crystal  Lake  regardless  of the  alternative.  Phosphorus loadings  should
remain 30-35% below the permissible limit of 0.064 g/m /yr.  Because the
contribution of total  nutrients  from septic tanks  is  small,  the ban on
phosphorus  will   not  significantly  reduce  the  total  Crystal  Lake
phosphorus load.

                                   149

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                           Table IV-3

                   CRYSTAL LAKE PHOSPHORUS  INPUT

EXISTING CONDITIONS      Loading Rate       Areal Loading Rate Percentage
                       (Ibs/yr)  (kg/yr)

Precipitation           1,690       767
Septic Tanks               263       120
Cold Creek              1,533       695
Non-Point Source
Runoff-Immed. Watershed    465       210

   TOTAL                3,951    1,792

1975 - WITHOUT SEPTIC
       TANKS

Precipitation           1,690       767
Septic Tanks
Cold Creek              1,533       695
Non-Point Source
Runoff                     465       210

   TOTAL                3,688    1,672

CENTRALIZED ALTERNATIVES

Precipitation           1,690       767
Septic Tanks                0        0
Cold Creek              1,533       695
Non-Point Source
Runoff                     614       279

   TOTAL                3,837    1,741

YEAR 2000 DECENTRALIZED
(No Phosphorus Ban)

Precipitation           1,690       767
Septic Tanks               176       80
Cold Creek              1,533       695
Non-Point Source
Runoff                     614       279

   TOTAL                4,013    1,821

WITH PHOSPHORUS BAN

Precipitation           1,690       767
Septic Tanks               88       40
Cold Creek              1,533      695
Non-Point Source
Runoff                     614      279

   TOTAL                3,925    1,781

*Dillon's permissible load = 0.064  g/m2/yr.
 Tanis 1978; Omernik 1977; EPA, NES 1975.
.019
.003
.017
.005
.004*
.019
.018
.005
.041*
.019
0
.017
.007
.043*
.019
.002
.017
.007
.045
.019
.001
.017
.007
.044
42.8
6.7
38.8
11.7
100.0
45.8
41.6
12.6
100.0
44.0
40.0
16.0
100.0
42.0
4.4
38.2
15.4
100.0
43.0
2.3
39.0
15.7
100.0
                                 150

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b.   Lakeshore  Eutrophication

     The colonization of Cladophora  in localized  areas  along  the  Crystal
Lake  shoreline  has  been  attributed to  nutrient  influx  from  human
activity.   Cladophora  requires  high  nutrient  concentrations which  are
not  naturally  available  in  nutrient poor,  oligotrophic  lakes  such  as
Crystal Lake.  Several  studies have  been made  in an effort to determine
the cause and  extent  of Cladophora  growth  along the lake  shore.   Under
existing  conditions,   correlations   have  been  found   between   housing
density  and shoreline  vegetation  (Tanis   1978  and  Gannon  1970)  and
between  several  variables  associated  with  septic   tank  performance
(University of  Michigan 1978) including:
     o    length of home occupancy
     o    age of septic tanks
     o    proximity of septic tanks to the lake shore
     The data  strongly suggest that  Cladophora growth is at  least,  in
part,  the  result of  nutrient  leachate from septic tanks.   Septic  tank
plumes may  channel  nutrient rich  waters to the  vegetation,  in  effect
acting as a hydroponic culture.

     The data  supplied by  these  studies suggest that the  frequency and
density of Cladophora growth may  increase slightly if  additional permits
for  shoreline  septic  systems are  granted.   However, the availability of
nutrients  for  algal  growth could  be  reduced  along  the  southwestern,
southeastern,  and northwestern  shorelines  if the  ST/SAS were  upgraded.
Many of  the  existing  systems  are  undersized or are located too close to
the lakeshore.   Nutrients from  ST/SAS along the northeastern shore and a
small  part  of the  southeast  shore  may not  be  reduced  by  upgrading
because of expected  high rates  of  groundwater inflow to  the lake.

     The centralized alternatives  (Facility Plan Proposed Action and EIS
Altternatives  1  and 2)  are most  likely to reduce the  concentration of
nutrients contributing to  shoreline  eutrophication.   Alternatives 3, 4,
5  and 6  which propose  sewering   the  northern  shore where  Cladophora
growth is heaviest,  may effectively reduce  the  major nutrient source for
growth.

     There is  no  guarantee that  sewering the Study Area  will  eliminate
the  growth  of Cladophora.   With  51%  of  the  phosphorus  coming  from
non-point  source  runoff and  tributaries,  it  is  conceivable  that  some
localized growth  may result from  these sources.  This  is particularly
true  along  the northeastern shore where groundwater flow patterns may
channel nutrients to localized  areas.

c.   Bacterial  Contamination

     Effluent discharges to Betsie from the proposed new treatment plant
in Frankfort should  not result  in significant bacterial contamination of
surface  waters.   Disinfection  facilities are included in  the  design of
the RBC plant.   However, the efficiency of disinfection is a function of
mixing,  contact  time  and plant operation.   Regular sampling to measure
                                   151

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fecal coliform and residual disinfectant should provide an indication of
disinfection  effectiveness.   Plant  malfunctions  would  not   severely
affect  Betsie  Lake  unless  the  Lake  were  used  for  water   contact
recreation.   Centralized treatment  of wastewater  by  land  application
will not  impact  surface waters;  the land application  sites  are  located
at a distance from Crystal and Betsie Lakes.

     Pumping   stations   malfunctions   could  occur   with   centralized
Alternatives  1 and  2,   resulting  in  contamination  of  surface  waters.
Rigorous  inspection  and maintenance of pumping  stations  would  minimize
this possibility.

     Bacterial contamination of Crystal Lake  surface water should not be
a  problem with the decentralized alternatives.   Available data  suggest
that  bacteria are  removed even  by  the  medium  sandy soils along the
lakeshore.   The  results of the bacterial sampling  surveys performed by
Kerfoot  (1978)  and Gannon  (1970)  are discussed  in section II.B.7 and
II.C.I.   Kerfoot  observed  that bacterial  concentration did not exceed
Michigan's  primary  contact standards  (200  organisms/100 ml) even  when
the samples  were  collected at the site of a  leaching septic  tank plume.

d.   Non-Point Source Nutrient Loads

     Primary   impacts   on   surface   water   quality  related   to  the
construction  of  ST/SAS  systems  and the replacement  of old systems is
likely to result  in increased soil erosion.   Similarly, installation of
sewers,  especially  those that pass under the many  small  drainage  ways
leading to Crystal Lake, will accelerate erosion.

     Compliance with  state and local  soil erosion control requirements
could substantially reduce  the erosion problem and the subsequent impact
on water  quality.

2.   SECONDARY IMPACTS

     The  potential  productivity  of  Crystal  Lake and  Betsie   Lake is
determined  to a  large extent by the  type  of land over which the runoff
drains.   Current  estimates  of  nutrient loadings   indicate  that the
non-point source  runoff contributes roughly  52% of the total phosphorus
to Betsie Lake and 50%  of the total phosphorus to Crystal Lake.

     Increased shoreline housing, a secondary impact of sewering Crystal
Lake,  might  increase   sediment  and  nutrient  loads.   Conversion of
forested  land  to  residential  or  agricultural  use  tends  to  increase
non-point source loadings significantly (Omernik 1977).

     Any  nutrient  loading  estimates  for non-point  sources  have a low
confidence  limit.   (See Omernik's  Model,   Appendix  E-2.)  They cannot
account  for particularly  sensitive  features of  the  Study Area  or for
specific  land use purposes.

     For  purposes of  land use planning, increases in nutrient loads  from
non-point source  runoff  must  be  considered.   Increased  loads  could
result from:
                                    152

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     o    increased runoff from construction of impervious  surfaces  such
          as rooftops and parking areas;

     o    lawn  and  garden  fertilization   creating   unnaturally  high
          nutrient levels in the runoff;  and

     o    soil   disruption  by  human   activities,   (i.e.,   housing
          construction,  leveling of  forested area etc.).

Any  of  these  could  result  in  increased  nutrient  and  sediment  loss
especially  in  areas  with  steep  slopes or  in drainage ways  leading  to
Crystal Lake.

     The topography of  the Crystal  Lake  watershed suggests that certain
large areas may be particularly vulnerable to increased non-point source
runoff.  The  Cold Creek  watershed  lies   in  an upland area  that slopes
towards  the  lake.   Approximately  36%  of  the  area  is  forested  now.
Development of this land will increase runoff to the lake.   Tanis (1978)
has demonstrated that forested areas of the Cold Creek watershed produce
runoff with  fewer  nutrients  than runoff  from land used for agricultural
or residential purposes.

     The  remainder of  the Crystal  Lake watershed consists mainly  of
bluffed areas  around  the Lake.   These areas  are  about 50% forested and
their  runoff  water  is   characterized by  low phosphorus  concentration
(0.016  mg/1).    Residential  development  encouraged  by sewering  could
increase  runoff  phosphorus concentrations  and sediment loadings.   The
potential  for  increased development  is  much  greater  along  the Crystal
Lake shoreline than  that of Betsie  Lake.  Since  Betsie Lake is already
sewered, the wastewater  management alternatives are not likely to induce
growth in the Betsie Lake area.

3.   MITIGATIVE MEASURES

     The  impact  analysis  has  indicated  that  non-point  source  runoff
contributes a  large  percentage  of the total Crystal Lake  nutrient load.
The  Benzie  County Development Plan has made  several  recommendations  to
control  such  runoff.   These  recommendations  should be enforced by the
townships  through  zoning,  performance   standards  and  ordinances  for
control of non-point sources.

     Erosion and sedimentation resulting from construction of wastewater
collection  systems  should be minimized by adhering to the requirements
of the  Soil Erosion  and Sedimentation Control Act of 1972.  Enforcement
of this act is the responsibility of Benzie County Community Development
Department.  Construction permits can be revoked for  violations of the
standards set  forth in this act.

     The two major non-point  sources have been  identified as the lower
Cold  Creek  watershed and  the  lake  bluffs.  The  use  and  development  of
land  in  the  lower  Cold  Creek  watershed  should  be  restricted  to
compatible  uses.   Alternatives  to  the  current  practice   of  routing
Beulah's  stormwater  to   Cold  Creek  should be  investigated.   Sources  of
wastewater  entering  Cold Creek should  be  identified and   dealt  with
                                   153

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appropriately.   Any  development  on  the  bluffs  around  the  lakeshore
should require individual plan approval,  the developer being required  to
ensure that  sedimentation and erosion can be  controlled and  structural
failures will not  occur.   Although  septic tanks have been  shown to  be a
minor  source  of nutrients,  several  mitigative measures could  minimize
the nutrient load from this source.   Cladophora growth along the Crystal
Lake  shoreline  has  been  attributed to  localized  nutrient  sources.
Several  measures are  available which may minimize  Cladophora  growth.
These  include  upgrading  the  existing on-site  systems, use of  off-site
systems   or    composting   toilets    and   minimizing  the    use    of
phosphorus-containing fertilizers.

     These improvements in septic tanks are intended to reduce nutrients
for  algal  growth   along  the  shoreline.   There  is  no  guarantee  that
Cladophora  growth  would  be  eliminated  by  these  mitigative  measures,
however.   As  a  last resort  Cladophora  growth which  does  occur may  be
controlled  by  adding  copper  sulfate locally.   Used in  properly low
concentrations,  this  chemical will interact  with  polypeptides  secreted
by the algae.   This will kill the algae  but make the copper unavailable
for uptake (and toxicity) to other organisms.

     There  is  some  possibility  that  the  approximately  25   dormant
effluent  plumes  along   the  western  third  of  Crystal   Lake   may  be
influenced by  the  prevailing direction of groundwater flow  (see  Figure
II-8), which  is away  from the lake  and  toward Lake Michigan.   Should
this  be  the case,  under  conditions  of peak flows, the plumes  may  have
hydraulic loadings  sufficient to overcome  the normal groundwater  flow
and  force a  plume out  into  the  lake.   As  system use declines  (when
seasonal  residents  leave)  leachate   would  again  tend  to   move in the
direction of the groundwater.  These  unusual conditions may allow use  of
flow  reduction  devices  as  mitigative  measures,  because  reduced  flow
would result in lower hydraulic loadings  and fewer plume  extensions  into
the lake.

B.   GROUNDWATER  IMPACTS

     Groundwater impacts  fall into  two categories,  those  affecting the
available  quantity of  the resource, and  those affecting   its  quality.

1.   GROUNDWATER  QUANTITY IMPACTS

     No  significant primary  or secondary  impacts on groundwater quality
should  come  from   any  of  the various  alternatives.  This  is  mainly
because all of the water  quantities  associated with the alternatives are
relatively  miniscule   in comparison  with  the  estimated  groundwater
storage,  recharge  from  all  other  sources,  and  available  groundwater
yield.

     The  conversion from sewage disposal practices based  on  individual
soil  absorption systems  to  central  sewered treatment systems  without
effluent  land  disposal  can result in the loss  of  groundwater recharge.
The  significance  of  this   loss  hinges  upon its  relationship to the
recharge from all other sources; these include downward infiltration and
                                    154

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percolation from  precipitation and surface  water bodies,  and  adjacent
aquifer  inflow.   Precise definition  of this  depends  upon an  accurate
knowledge  of  the  aquifer(s),  and  its  hydrology  (e.g.,  precipitation,
runoff,  evapotranspiration,  discharge)  and  hydraulic  characteristics
(e.g., transmissivity, and storage coefficients).   There is insufficient
data with which to undertake such precise quantification.

     Study Area  groundwater extraction  is  currently very  small,  being
limited  mainly  to small  wells  serving  individual homes,  except  in
municipalities.  It is  on  an order of magnitude as the total Study Area
wastewater flows, perhaps 0.89  mgd (equivalent to  approximately 620 gpm)
by the year 2000.   The 500-foot thick sediments  in  the area, even with
allowance  for their  expected  discontinuity and  low   specific  yields,
should have  a safe yield  several orders of magnitude  greater  than the
total wastewater effluents  available  for groundwater recharge.   This is
particularly true  of  the  outwash deposits southeast of the Study  Area.
Failure to return the relatively small quantities  of wastewater flows as
recharge is not  expected  to have a significant impact  upon groundwater
quantity.  Because of the small water quantities involved, land effluent
disposal or  soil  absorption systems  will show only minute  impact re-
ductions over the other alternatives.

     The short-term construction impacts on groundwater quantity will be
even  less  discernible  since still  smaller quantities  of  water  will be
involved.  Also,  in no.case will construction activities  be likely to
result in  the sealing  of  enough recharge area to  create a significant
adverse effect upon groundwater quantity.

     Increased  groundwater  demands,  arising  from  Study  Area  induced
growth,   may   cause    groundwater   quantity   impacts.    Decentralized
alternatives   should   do  this  less  than   centralized   sewer  system
alternatives.   Study Area population growth from centralized systems use
may  be about  19%  by the year 2000.   A corresponding 19% increase in
water use  would  amount to about 0.17 mgd.   This  increased demand is so
small  compared  to the aquifer  capacity  that  it  will  not create  a
significant impact.   The County  Development Plan shows  that available
groundwater supplies are more than adequate for demands through the year
2000  (Wilbur  Smith and Associates  1974).   However,  existing municipal
storage  and  distribution  facilities  are  inadequate for  future needs.

2.   GROUNDWATER QUALITY IMPACTS

     No  significant  short-term  impacts  on  groundwater  quality should
result  from  the  construction  of  any  of the  alternatives.   Long-term
impacts would be as follows:

     o     Impacts  on  bacterial quality  are  expected to  be significant
           for all alternatives;

     o     Continued  use  of  ST/SAS  particularly on   the  northeastern
           lakeshore   may   result  in  minor  impacts   associated  with
           shoreline algal growths;
                                   155

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     o    No   significant   impacts   on   nitrate  concentrations   are
          anticipated  providing the  density of  ST/SASs  complies  with
          generally accepted  standards.   Only the No Action alternative
          is likely to result in significant adverse impacts.

These  conclusions are  discussed  in  more  detail  in the  sections  that
follow.

     Soil   erosion  is   the   chief  short-term   construction  impact.
Compliance with the regulations of the Erosion and Sedimentation Control
Act  can minimize  such  erosion.   The clayey  soils  found throughout the
area are an effective barrier against sediments reaching the aquifers by
filtration  and adsorption.   No significant  impacts are  thus expected
from any of the alternatives.

     Long-term impacts on groundwater quality are mainly associated with
the  following  three types  of pollutants:   (1) bacteria,  organics, and
suspended  solids,  (2)  phosphorus,  and  (3)  nitrogen   in  the form  of
nitrates.

     Bacteria and suspended organics  are readily removed by filtraztion
and  adsorption onto soil  particles.   Five  feet  of soils  are ample to
remove  bacteria   except  in  very  coarse  grained,  highly  permeable
material.   Available  data  show that bacterial  well water contamination
is not  a problem  for Crystal Lake shoreline residents.  The upland soils
in  Benzonia  and  Beulah Townships  have  varying  degrees  of  clay for
adsorbing bacteria;  and  aquifer water  levels  are  low,  providing ample
distance  for  bacterial removal.   The  sandy  and  loamy-sand  lakeshore
soils  are effectively  removing bacteria from ST/SAS despite the general
absence of  soil clay (Gannon 1970; Kerfoot  1978).

     Land  wastewater  application  on  upland  soils  should  not  cause
groundwater  bacterial contamination.   Land application site  soils are
chosen  for  their effectiveness  in  removing bacteria and  suspended
solids.   Pretreatment  and  subsequent  die-off  due to  dehydration will
greatly reduce viable bacteria.

     Groundwater  phosphorus is important because  of  the potential role
in  lake eutrophication.   Jones (1977) reviewed relevant studies on this
subject for the Environmental Protection Agency concluding that:

     ...  it is very unlikely  that  under  most circumstances,  sufficient
     available   phosphate  would   be   transported  from   septic  tank
     wastewater   disposal  systems   to   significantly  contribute  to the
     excessive  aquatic plant growth problems in water courses recharged
     by these waters.

Field  studies,  they point  out, have shown  that most soils, even medium
sandy   soils  typically   remove  over  95%  of  phosphates  within  short
distances   from   effluent  sources.   The  review  shows  the  two primary
factors in  the removal  of  phosphates applied to the land.   The first is
phosphorus  absorption  on small amounts of  clay minerals, iron oxide and
aluminum  oxide  in soil  and aquifer materials.  The second is  hard water
calcium carbonates  and precipitation  of  phosphate  as hydroxyapatite.


                                    156

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     Jones et  al.  (1977) have  also indicated several  studies  in areas
similar to the  Study  Area  (loamy,  clayey soils over glacial moraine and
outwash deposits)  where the soil  has essentially  removed all  of  the
phosphorus present in  septic tank  effluents.   They also  stated  that in
hard water  areas  such  as  those of  the southern half  of Michigan,  the
"likelihood  of   significant  phosphate  transport   from  septic  tank
wastewater  disposal  system  effluent to the  surface waters  is  greatly
reduced because of the calcium carbonate present in the soil and subsoil
systems."

     Because the soils and  subsoil  systems throughout the Study Area are
clayey to  varying degrees and the groundwaters are also very hard (up to
360 mg/1  as  CaCO«) very little phosphate transport from groundwaters to
surface waters should take  place in the Study Area.

     This  was  confirmed by  the "Septic Snooper" survey of groundwater
leachate  plumes  entering Crystal  Lake (Kerfoot 1978).   Only  90 of the
1090 existing shoreline dwellings showed detectable septic tank leachate
plumes.   Of  the  plumes  sampled,  an  estimated  0.7%  of  the  total
phosphorus  in  septic  tank  effluents  reached  the  lake  by  way  of
groundwater.   This  phosphorus  was  too  small to  affect  Crystal  Lake
surface water  eutrophication (see  II.B.7.a)  but sufficient to stimulate
algal growth within localized plume emergence areas.  Only the No Action
Alternative, relying on on-site systems along the northeast shore, could
potentially  worsen  the  localized  lakeshore  eutrophication  problem.
Mitigating measures  such as localized  chemical  treatment or mechancial
algae removal might even solve this problem.

     Groundwater nitrates are of concern, at high concentrations causing
methemoglobinemia in  infants consuming foods  prepared with such waters.
The National  Interim  Primary Drinking Water Regulations  (40 CFR 141) of
the Safe Drinking Water Act PI 93-523 set a limit of 10 mg/1 of nitrates
as  nitrogen  (NO- - N).   Chapter  II contains a discussion on the well
water levels of nitrates around Crystal Lake.

     Septic  tank/soil   absorption  unit  density  is  often  the  most
important parameter influencing groundwater levels of nitrates (Scalf et
al. 1977).   However,  the same source indicates that currently available
"information  has  not been  sufficiently definitive  nor quantitative to
provide a basis for density  critera" (Scalf et al. 1977).

     The  Sanitary Code  of  the Grand  Traverse-Leelanau-Benzie District
Health  Department  (GT-L-BHD)  requires  that  septic  tank systems  be
located at  least 50  feet  from any  potable water  supply, well, spring,
etc.  This  distance  usually provides ample water travel time within an
aquifer to  reduce  initially excessive nitrate concentrations (more than
10  mg/1  as  N0~  -  N)  to less than  2 mg/1.   Minnesota field studies by
Schroepfer and  Polta  (1969) show a  reduction from 12.6 mg/1 to  1.7 mg/1
within 30  feet at depths of less than 15 feet in a water table  aquifer.
Most  sanitary  codes  reflect  the  general  acceptance  of  a  50-foot
separation  of  wells   and   septic  tank  systems  as  the  best  available
yardstick  for assessing likely  adverse impacts of  ST/SASs.   A minimum
lot  size  of 1/3 acre usually  ensures the  observance  of the 50-foot
separation  of wells  and ST/SASs.   The  Grand Traverse-Leelanau-Benzie


                                   157

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District  Health Department  considers  that the  alternatives  satisfying
this density  criterion,  among others in the code, create no significant
groundwater nitrate impact.

     Multi-tier or  grid  type residential development can create greater
potential  groundwater nitrate impacts  from ST/SAS  use  than  can single
tier development.   Depending on the direction of groundwater,  flow and
pumping  rates of wells,  nitrate contributions  from individual ST/SASs
may  become  cumulative  in multi-tier  developments.  It  is  thus  more
important  to  enforce  existing  density codes  and set-back distances to
wells in such developments than in single tier ones.

     The  existing  situation  within  the Service  Area  as established by
the sanitary  survey is that  23 percent of all ST/SASs is located closer
than the  required  50-feet from wells.  Five (5) percent of all ST/SASs,
or  nearly  one-fourth  of these  violating  the  50-foot  criterion,  is
located  within  25  feet  of wells.   Gannon  (1970)  found  focal  points of
high nitrate  concentrations  (>4 mg/1) in wells along the northshore, and
particularly  along the  northeastern  shore of  the lake.  These  focal
points are  located  in the areas of  high ST/SAS  density.  In two cases,
on the northeastern shore, nitrate concentrations exceeded the standard
criterion  of  10  mg/1 NO«-N.   In  many  other   areas  Gannon  found  no
nitrates,   or  concentrations  that   were  less   than   1 mg/1.    The
implications  are  that while the source was not identified, high nitrate
concentrations  well  in excess of background levels were associated with
high density  development  in the Service Area.

     The  No Action Alternative will perpetuate  and may  possibly worsen
this  situation with  a  resulting  increased  violation  of  the  drinking
water standard.  It is not a  recommendable action.

     The  Limited Action alternative  tentatively proposes  the use  of
cluster  systems to  overcome the problem but  it  would  be subject to the
findings of detailed  studies  to be undertaken during the design phase of
the  project.    No  significant  adverse  impacts  on water quality  are
therefore expected to  result  from the Limited Action Alternative.

     Cluster  system soil absorption fields are  designed like  to septic
tank fields to  ensure  an  adequate areal distribution of the effluent and
depth  to   groundwater  for  satisfactory  treatment.    Nitrate  levels
entering  groundwater  should  be equivalent to  those  of  leachate  from
ST/SASs.   Locating the  soil absorption fields  of cluster  systems at
greater  distances  from  residential  developments  (500 feet  adopted for
EIS Alternative design)  provides  more than ample room  for dilution of
nitrate concentrations below  drinking water limits prior to interception
by  wells.   Cluster  system  alternatives  should  therefore produce  no
significant groundwater nitrate impacts.

     EPA  recognizes almost all types of  land  treatment  alternatives as
being  capable  of producing  final  effluent nitrate nitrogen (N0«  - N)
concentrations  of 10  mg/1 and  less  prior to entry into groundwaters.
Table  IV-4 shows irrigation (spray) and  overland flow  methods produce
effluents  of  2.5 mg/1 of NO,.  -  N) while  for infiltration percolation
(rapid  infiltration)  10  mg/1  may  be  expected   (EPA 1975).   Dilution
                                    158

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                           Table IV-4

  EFFLUENT QUALITY COMPARISON FOR LAND TREATMENT AND AWT SYSTEMS
Effluent quality parameter, mg/1
System
Aerated lagoon
Activated sludge
Irrigation
Overland flow
Infiltration-percolation
AWT-1
AWT- 2
AWT- 3
AWT- 4

BOD
35
20
1
5
5
12
15
5
5

SS NH -N
40 10
25 20
1 0.5
5 0.5
1
15 1
16
5 20
5

NO N Total N
20 30
10 30
2.5 3
2.5 3
10 10
29 30
3
10 30
3

P
8
8
0.
5
2
8
8
0.
0.




1




5
5
Cost-Effective Comparison of Land Application and Advanced Wastewater
Treatment (EPA-430/9-75-016).
                            159

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within   aquifers   by    groundwater    flow    further    reduces    these
concentrations.   No  signficant  impacts  on  groundwater  quality  are
therefore expected  from  alternatives  using land application techniques.
While  spray  irrigation  and  overland  flow  techniques  will  produce
effluents   of   better  quality,  rapid  infiltration  will  produce  a
satisfactory  one.    Selection   of  land  application  alternatives   would
require a detailed site analysis including a  geohydrologic survey,  soils
classification and soil chemistry survey.

3.   MITIGATIVE MEASURES

     Groundwater   quality  should  be   carefully   monitored  for   all
alternatives  involving  the  use of  ST/SASs,  cluster  systems  and  land
application  system.   This will  verify  that  water quality  is not  being
significantly   degraded,   and   to  warn   of  malfunctions,  inadequate
treatment and the need for corrective action.

     The  proposed  detailed  groundwater  studies  scheduled for  imple-
mentation   during   the   project  design  phase  will  ensure that  the
implemented   alternative  poses  no   significant   adverse  threat   to
groundwater quality.
C.   POPULATION AND LAND USE  IMPACTS
     Population  and  land  use  impacts  associated  with  various  system
alternatives   are   evaluated  in  this  section.   These   impacts   are
summarized below:

     o    Different alternatives will result  in significantly different
          rates  of   population   increase.    Provision  of  centralized
          facilities  would  result  in  a  19%  increase  above  standard
          projections  for  the  drainage  basin,  while   reliance  upon
          existing on-lot systems in unsewered areas (the Limited and No
          Action  Alternatives)  will  hold  population growth 7% below
          standard   projections.    Decentralized   alternatives   will
          generate  population  growth  4%  above  current  projections.

     o    Residential  land  acreage  will   increase  regardless  of   the
          alternative  selected.   Increases  will  range  from  77%   (No
          Action Alternative)  to 88%  (fully  centralized alternatives).

     o    Availability  of sewers  would allow  present demand for  land
          development along  the  shore  of Crystal Lake to be  met.   This
          would  result  in residential  densities averaging 25% above the
          No  Action  Alternative  and  possible  multifamily  development.
          No Action, Limited Action, and decentralized alternatives  will
          increase values  of existing  residential properties around the
          Lake  because  they  will  limit the  amount of  additional  land
          which may be developed.
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     o    Provision of  centralized  sewerage  facilities  will result  in
          increased development pressure.   Adoption of the Limited or  No
          Action Alternatives  will  tend to maintain  existing  community
          character.    Decentralized  alternatives   will   be  nearly  as
          effective as  the  No Action Alternative in maintaining existing
          community character.

1.   INTRODUCTION

     The  capacity  of  an  area  to support  development varies with the
degree  to   which   wastewater  facilities  are  site-related.    On-lot
wastewater treatment facilities are  extremely site-related because they
are limited  to  sites with  suitable  soils.   Sewers  allow  development  to
be  much  more   independent  of  site  characteristics   because  the  soil
permeability,  slope,   and  drainage  are  not   such strong  constraining
factors.   Thus, sewers  increase  the  inventory  of   developable  land.
Sewers also increase the possible  density of development.   The amount  of
additional growth actually occurring  in the area if sewers are provided
is dependent not only  upon increases in development  potential  but also
upon  demand  for additional  residential  development  in the area.   This
demand  reflects  the  residential  amenity  of  the area in  comparison  to
other areas  and  the  reduction in  the cost  of residential land when the
supply of developable land  is increased.

     Population and  land use impacts are estimated here  for completely
centralized  and  completely  decentralized  (No Action)   alternatives.
Impacts  are  also  estimated  for  EIS Alternatives  3, 4, and  5,  which
incorporate  partial  sewering and cluster  systems.  These alternatives,
while described  as decentralized,  are  actually hybrid  or intermediate
systems in terms of population and land use impacts.

2.   POPULATION

     If centralized facilities  were  provided, population in the Service
Area would be anticipated to increase 19% above baseline  projections for
the  year  2000.   This  increase  in  population growth   above  regional
baseline   trends   is   referred   to   as  induced   growth.    Completely
decentralized  facilities  (No  Action Alternative)  might  limit Service
Area population growth  7%  below baseline projections  for the year 2000.
Centralized  facilities  would  concentrate   growth  within  the  nearshore
segments   of   the   Crystal   Lake  Proposed  Service   Area.    With
site-dependent,  decentralized  facilities,  nearshore  areas  would  be
developed at a lower density or might not be developed at all, resulting
in more development in areas further from the  lakeshore areas.

3.   LAND USE

     Significant increases  in residential acreage would be likely within
the  proposed  Crystal  Lake  Service  Area  regardless  of  the  treatment
alternative  adopted.   Residential acreage  is projected   to  increase  by
77% by the year 2000 even under the  completely decentralized (No Action)
alternative.    Residential   acreage   might  increase  by   88%  with the
provision  of centralized  systems.  The increase in residential acreage
with  centralized facilities  would not match  the increase in population
because new development would be of  higher density.

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     The  major  differences  in  future  development  patterns   between
centralized  and  decentralized  alternatives  relate  to  the  amount  of
nearshore development. With centralized facilities,  the nearshore areas,
undevelopable   with    decentralized    facilities    because   of   site
restrictions, would become high-development-potential areas.

4.   TRANSPORTATION IMPACTS

     No  population   growth   resulting   from   the   proposed   wastewater
treatment facilities is expected to have significant impact on the local
transportation  system  by  requiring  new  road  construction or  other
infrastructural investment.   Increased visitation to  the  Sleeping  Bear
Dunes  National Lakeshore, which  is immediately north of the  Proposed
Service Area,  will  increase  through traffic,  as that  area lies  between
the National Lakeshore  and major  population centers to the south.   The
through  traffic  is  not  likely to  have a  significant  impact  on  the
adequacy  of  local  transportation  facilities  (by   telephone,  Mr.  Max
Holden, Sleeping Bear Dunes National Lakeshore).

     Traffic  counts  obtained  from  the  Benzie Count Road  Commission
indicate that  present  traffic  volumes  in the area  are quite low.   The
counts indicate no consistent pattern of increase in traffic volumes for
the years 1970 to 1978.  Average daily traffic (ADT) volumes on  Michigan
Routes 22 and  115 were under 1,000 cars for all recording stations  from
1970 to  1978.   The  ADT on US Route  31  was  higher -- 2,900 vehicles for
1978.  Benzie  County  has  no  current plans to  widen  or reconstruct roads
in the area for at least the next 5 years (by  letter, James R. Thompson,
Manager, Benzie County Road Commission, 11 May 1979).

5.   CHANGES  IN COMMUNITY COMPOSITION AND CHARACTER

     Centralized  facilities  would moderately  influence the composition
and  character  of  the  Crystal  Lake  community.   Additional  costs  of
wastewater  treatment would  displace  some  lower income  permanent  and
seasonal  residents.   Provisions  of centralized  facilities  would  also
make  feasible  the  development of  higher-density  forms  of residences,
including townhouses  and  apartments.   These  developments  would  appeal:
to  older  persons  who  have had single-family  summer residences  in the
area in the past and want  fewer maintenance responsibilities;  to younger
couples without children;  and to  persons who  want to share the  use  of a
summer  residence.   Condominium apartment developments have occurred in
some nearby  areas,  notably Traverse City, and some  local  residents  have
expressed   an   interest   in  condominium   development if centralized
wastewater  treatment  facilities  are   constructed.    In  the  long  run,
however, the impacts  of proposed  wastewater facilities on the  area may
be  overshadowed  by national  trends  in  gasoline availability and cost.
Rising  gasoline prices  or  shortages  in gasoline  supply may  probably
curtail seasonal  population  growth  in the Crystal Lake area  because of
the  long  auto trip  from metropolitan areas.  Reduction in  seasonal
population  growth would also  depress  the local economy  and  thus limit
permanent  population  growth.   Growth  of seasonal   population  is  also
highly  responsive  to  changes  in  disposal  personal  income,  with  any
curtailment  in the  growth of personel income  producing a  marked drop in
the number of  second  (seasonal) home owners.
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     The  rural  character  of  the  area  would be  diminished with  the
additional  land  devoted  to  residential  and  uses  associated  with
centralized facilities and with  higher  density development.   Change in
the character of the  area  could  also  occur with EIS Alternatives 3, 4,
and 5 because substantial  population  growth and  land development would
take place in areas  serviced  by sewers and  the numerous cluster systems.

     Adoption of the  Limited or  No  Action Alternatives would encourage
preservation  of   the   area's   prevailing  community   character  and
composition.  There would be very little economic displacement pressure
in  the  Crystal  Lake  area, and land-use patterns would  be unlikely to
change except in the amount of  residential  use.

D.   ENCROACHMENT ON ENVIRONMENTALLY  SENSITIVE  AREAS

     Construction activities  related to  the various wastewater treatment
alternatives and  secondary impacts  from induced  growth  may  be  felt in
certain environmentally sensitive areas.   The Benzie County Development
Plan has  designated extensive  areas  of critical environmental concern.
The  areas  extend  through  large  tracts   of  land  which are  already
undergoing  development.   The  "critical  concern"  designation  does  not
dictate land use but  recommends  restrictions which should be considered
prior to further development.

1.   WETLANDS

a.   Primary Impacts

     The wetlands located  south  of Round Lake  and near the Crystal Lake
outlet  to  the  Betsie  River  may  be  subject to  sedimentation  during
construction of a sewer  collection  system  (Alternatives  1, 2, 4,  5, and
the Facility  Plan  Proposed Action).   Water circulation patterns may be
modified by these activities.   These construction-related impacts  may be
minimized  by adhering  to  the  regulations in  the  Soil Erosion  and
Sedimentation Control  Act.   This Act regulates construction activities
within  500  feet  of  a  shore through  a permit system  administered  by the
County.

b.   Secondary Impacts

     The  wetland  areas   surrounding  Round Lake  are  state-owned  and
development will  not  occur in  these wetlands.  The wetlands associated
with the  Betsie  River are protected  to some extent by the Betsie River
Natural River Zoning Act  of 1973  (see  Appendix  D-3).   The Act requires  a
minimum setback distance  of 200 feet  from  the  River.   It  also designates
a Natural River District, which is a  strip  of  land  400  feet wide on each
side  of  and  parallel to  the  designated  river  and  tributaries.  This
District is not under State ownership,  however,  and it  merely defines an
areas  within which  certain  types  of  development will  be  controlled.
Some  development   may   occur  in   these   wetlands   regardless  of  the
wastewater management alternative selected.
                                   163

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c.   Mitigative Measures

     The County  should  strictly enforce the regulations provided by the
Sediment and  Erosion Control Act  to  prevent  sedimentation which would
destroy the  filtering capacity of  wetlands.   Local  zoning regulations
for  Benzonia  and Crystal Lake  Townships  should be  revised  to  protect
wetland areas.   Ideally,  these areas  should  be zoned for  open space.
Development near wetland  areas  should  provide an adequate buffer zone.

2.   SAND  DUNES

a.   Primary  Impacts

     The County  Development Plan  has  characterized  the  sand dunes  as
having  "unique  natural  features  worthy of protection."   The  Sleeping
Bear  Dunes Park,  north of  Crystal Lake  is  currently protected  from
development.  However, the dunes west  and  southwest  of Crystal Lake are
not  afforded  such  protection.  A  sewage  collection system  that would
convey  wastewater  from  the  western   shore  to  the  Frankfort  Plant
(Alternatives  1, 2,  3,  4,   5,  and the Facility Plan  Proposed  Action)
should be  carefully located  so  that the dunes southwest of Crystal Lake
are not disturbed.

b.   Secondary  Impacts

     Implementation of a decentralized  wastewater management alternative
is more likely to encourage  development in  sand  dunes since a scattered,
low-density  development  pattern  would  result  from decentralization.
However, these  soils  are generally sandy with slopes more  than 12%;
these characteristics present structural problems to  development.

c.   Mitigative Measures

     The County  should  undertake a  study  of the ecosystems of the sand
dunes and  the  impact which  development might  have on these areas.  Lake
Township  should  implement   appropriate  zoning  regulations  to  protect
these areas.

3.   STEEP SLOPES

a.   Primary  Impacts

     The  difficulties  of installing  on-lot  systems  on  steep slopes
appears to be one of the factors historically  limiting home construction
to  lakeshore   and  other  level  to  rolling  sites.  However,  sewers and
suitably designed on-site systems  may  be  constructed  on steep  slopes.
Where  construction  does  occur, adherence  to  the Sediment  and  erosion
Control Act of 1972 should minimize the impacts  of erosion.

b.   Secondary Impacts

     The   availability  of  off-lot treatment  systems  as provided  by
cluster  systems  or  sewers,   along   with  the  apparent  demand  for
residential  development may  result in construction activity on steep
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sloped areas.   Accelerated soil erosion particularly on the steep bluffs
surrounding the Lake and in the lower Cold Creek watershed can result in
additional non-point source runoff into Crystal Lake.

c.   Mitigative Measures

     The municipalities should adopt performance standards with specific
slope-density   provisions.   Developers  would  then  have  to  meet  the
performance standards  which require  proof that the sloped areas are not
a hazard to development.  Zoning ordinances should limit growth in steep
sloped areas.

     If cluster systems or septic tanks are placed  in areas  with steep
slopes, a  series  of  drop boxes  should  be used.  With  this  method,  no
hillside seepage should occur unless the sewage flow exceeds  the design
capacity.

4.   PRIMARY AGRICULTURAL LANDS

a.   Primary  Impacts

     "Prime and unique" farmlands are not likely  to  be  impacted by the
construction of cluster  systems  or  sewers, since  these areas  are  not
located near the proposed location for collection systems.

b.   Secondary Impacts

     Some  farmland  acreage  development  is  likely  regardless of  the
wastewater management  alternative.  A centralized treatment system would
encourage  less development by  concentrating  growth  in  sewered  areas
close to the lakeshore.

c.   Mitigative Measures

     Agricultural   lands   should   be  protected   by   following    the
Development Plan's  recommendation for  favorable  farm  tax   credits  to
encourage  the  retention  of  prime farmland for  agricultural purposes.
Zoning ordinances  should discourage scattered development which converts
large tracts of farmland into residential lands.

5.   FLOOD HAZARD AREAS

     No primary impacts on flood hazard areas  are  anticipated  with any
of  the alternatives.   The  sanitary code  and local  zoning  ordinances
preclude any construction within 50 feet of the Crystal Lake  shoreline,
which  is ample  to protect the narrow flood prone areas around the lake.
The minimum setback distance of 200 feet stipulated by the Betsie River
Zoning Act of  1973  should preclude floodplain development.

6.   CRITICAL AND UNIQUE HABITATS

     The Michigan Department of  Natural  Resources  is  currently in the
process  of identifying  critical and  unique  habitat  areas.   Impacts
cannot be identified until these areas are located.
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E.   ECONOMIC  IMPACTS

1.   INTRODUCTION

     This  section evaluates  the  economic  impacts  of  the  alternative
wastewater  systems  proposed for  Crystal  Lake.   These  impacts  include:
financial  burden on  system users; financial pressure  on residents  to
move  from  the   service  area;  financial  pressure  to  convert  seasonal
residences  to  full-year residences;  and  the   net benefits  of water
quality on the economy of the Crystal Lake area.

2.   USER CHARGES

     Users  charges  are the  costs billed periodically to  the  wastewater
system customers.  Total annual user charges have been  estimated for  the
eight  alternatives.    The   user  charge consists  of three  parts: debt
service (repayment of principal and interest), operation and  maintenance
costs, and a reserve  fund  allocation  assumed to equal 20% of  the debt
service amount.   Annual  user  charges  are  presented in Table  IV-5.   The
first column  shows  the user charges if all users in the Study Area paid
equal amounts.   The  second  and third columns show  the  charges  if costs
were  prorated between sewered  (Frankfort  and   Elberta)  and  unsewered
portions of the Proposed Service Area.

a.   Eligibility

     Eligibility  refers  to  that portion of wastewater  facilities costs
determined  by EPA to  be eligible  for  a  Federal wastewater  facilities
construction  grant.   Capital  costs of wastewater facilities  are  funded
under  Section  201   of the  1972  Federal  Water  Pollution  Control   Act
Amendments.   Section  201 enables  the  EPA to fund 75% of  total eligible
capital  costs of conventional  systems  and 85% of  the  eligible capital
costs of innovative and alternative systems.   Innovative and  alternative
systems  considered  in  the EIS  Alternative includes  land  treatment,
pressure  sewers, cluster  systems, and  septic  tank rehabilitation  and
replacement.  The State of Michigan  funds 5% of the  capital  costs  of
both conventional and  innovative/alternative wastewater  facilities.   The
funding formula  in  Michigan thus requires localities to  pay  20%  of  the
capital  costs of conventional  systems  and 10%  of  the capital  costs  of
innovative/alternative systems.  Operation and maintenance costs are  not
funded by the Federal government  and must  be paid by the users  of  the
facilities.

     The  percentage  of  capital  costs  that is elegible for  Federal  and
State funding greatly affects the cost that local users must bear.   The
capital  costs of treatment as  Crystal  Lake were  assumed  to  be fully
eligible  for  grant  funding; the costs of construction  of the collection
system were  subject  to the  terms of  Program Requirements  Memorandum
(PRM) 78-9.   This PRM establishes three main  conditions that must  be
satisfied before  collector sewer costs may be declared  eligible:

     o    Systems  in  use   for disposal  of  wastes from the  existing
          population are creating a public health problem, contaminating
           groundwater  or violating point  source  discharge requirements.

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                                                Table IV-5




                                            ANNUAL USER CHARGES
Alternative




1.  Facility Plan Proposed Action




2.  Limited Action




3.  EIS Alternative 1




4.  EIS Alternative 2




5.  EIS Alternative 3




6.  EIS Alternative 4




7.  EIS Alternative 5




8.  EIS Alternative 6
Costs Distributed Evenly
Over Entire System








440
60
400
350
170
150
170
150
Frankfort /Elberta
110
100
90
60
110
100
90
100
Unsewered
Area
720
50
650
590
220
180
240
190

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     o    Two  thirds  of the  design population (year 2000) served by  a
          sewer must have been in residence on October 18,  1972.

     o    Sewers  must be  shown to be  cost-effective when compared to
          decentralized or on-site alternatives.

     The Construction Grants Management branch of EPA Region V evaluated
the eligibility  of  the sewers proposed by the Facility  Plan  and of  the
EIS Alternatives.   This  evaluation,  based upon the two-thirds criterion
of PRM  79-3,  concluded that approximately 40% of the sewers proposed by
the Facility  Plan would be eligible; of the collection systems proposed
in EIS Alternatives 1 and 2, approximately 33% would be eligible.  Local
costs for EIS Alternative  3 through 6  assume  public  ownership and 100%
eligibility of upgrading on-site treatment systems.  Table  IV-5 presents
local costs based upon the EPA determination of eligibility.

     The Michigan Department of Natural Resources will prepare the final
determination  of  the  eligibility of project costs.  This determination,
which  will  be based  upon  Step II plans  and  specifications  for  the
alternative  to be  funded,  will differ  in  two  respects  from  the  EPA
determination:

     o    EPA  did not have  plans and  specification  upon  which  to base
          its  computation.    Consequently   a   detailed   sewer-by-sewer
          determination was impossible.

     o    In   estimating  collector  sewer  eligibilities,  EPA  did  not
          compare   the  alternatives   to  one  another  in  regard  to
          cost-effectiveness  or  to  their probable success  in satisfying
          documented   public  health,   groundwater  or   point   source
          problems.   Each  alternative  was considered on its  own merits
          only,  and on the ability of  its collector  sewers to meet the
          "two-thirds" rule.

     After  selection  of a  recommended  alternative (discussed  in Chapter
V),   that   alternative  will  serve   as   a   baseline  for  determining
cost-effectiveness  and,  thus,  eligibility.   Collection  and  treatment
costs  of other  alternatives  would not be  eligible  to  the extent that
they   exceed  costs   for   comparable   facilities   in  the  recommended
alternative.    User  charges  for   actions  more   expensive   than  the
recommended  alternative would, therefore, be  even  higher  than shown in
Table IV-5.

b.   Calculation  of User Charges

     The user charges presented in Table  IV-5 have been calculated  for
two  different  conditions:    1)  the costs  of the  system  were  divided
equally throughout  the  currently  sewered (Frankfort and Elberta)  and
unsewered  areas  2) the  costs  were  prorated between  the sewered  and
unsewered portions  of the Service Area.   It  should be pointed out that
the  Facility  Plan  does  not  propose  to  spread  costs over  the entire
system;  such  a comparison  is  made only  for the purposes of illustration.
To be equitable,  the  costs  for areas served by existing sewers have been
segregated  from  those  associated with  the unsewered areas.   This
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prevents  the  situation  wherein sewered  areas,  such  as Frankfort  and
Elberta, subsidize the construction and operation of sewerage facilities
in the unsewered areas.

     The  calculation  of  the user  charges was  based  on local  capital
costs being paid  through the use of a  30  year bond at 6 7/8% interest.
Some  communities  may  be eligible  for a  40  year  loan  at  5% from  the
Farmers  Home  Administration  to reduce the  annual financial burden of
local capital costs.

     The  centralized  alternatives  (Proposed Action, EIS Alternative 1,
and EIS  Alternative 2)  are  the most costly  to users  in unsewered areas
(and all users if spread out over the entire system).   Total annual user
charges  for  each household  range  from  $350  to  $440  for the  entire
system,  $590  to  $720  for  the  unsewered  areas,  and  $60  to $110  for
Frankfort  and Elberta.   The large  variations  between  the  sewered  and
unsewered areas'  costs  are  related to the ineligibility of much of the
collector sewers  in the unsewered  areas.   Neither the Facility Plan nor
the data collected for preparation of this EIS, document sufficient need
for collector sewers  around Crystal Lake or in the Village of Benzonia.
Costs  for most  collector sewers would therefore  be met  entirely at the
local   level,   should   Limited  Action  be   the  alternative   finally
recommended and application be made for any other.

     EIS Alternatives  3,  4, and 5 combine centralized and decentralized
components  and  are  less  costly   than the   centralized  alternatives.
Annual user charges range from $150 to $170 for the entire system, from
$90  to  $110  for Frankfort  and  Elberta,  and  $180  to  $240   for  the
unsewered areas.

     The  least  expensive alternatives  for the entire  system  as  well as
the   unsewered   areas  are   the  two   most   decentralized   ones:    EIS
Alternative 6 and the Limited Action  Alternative.  Annual  user  charges
for  the  entire  system  are  $150 for EIS Alternative  6  and $60  for the
Limited  Action  Alternative.  Frankfort and Elberta's  annual  cost would
be approximately $100 for both alternatives.  User  charges would be $190
for  the  unsewered areas  under EIS Alternative  6 and $50 under  the
Limited  Action  Alternative.    Clearly,  the  decentralized  alternatives
involve  the  least  amount  of sewering  and  have  the lowest amount of
ineligible costs.

     In  addition  to  user  charges,  households  in newly  sewered  areas
would  have to  pay the capital  costs (approximately $1,000 for  each
connection) of  a  house  sewer on  their property  to  connect  to  gravity
collector  sewers.   Seasonal  homeowners may also  have to  pay the  full
price  for the  replacement  or  rehabilitation  of  their  on-site  systems
(septic  tanks and soil  absorption systems)  if  they  do  not  cede these
sytems to  the local wastewater management agency.  Assuming, however, a
reasonably  high  proportion of  public on-site  system ownership Alter-
natives  3,  4 and  5  would  offer  substantial,  and Alternatives  6  and
Limited  Action,  an almost .total, reduction  in private costs.   Overall,
additional  costs   would vary  from  household  to  household  due  to
differences in the distance to the collection sewer and the condition of
on-site  systems.
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3.   LOCAL COST BURDEN

a.   Significant Financial Burden

     High-cost  wastewater  facilities may  place  an excessive  financial
burden on users of the system.  Such burdens may  cause families to alter
their  spending patterns  substantially by diverting  money  from their
normal  expenditure categories.   The Federal  government has  developed
criteria  to  identify high-cost  wastewater  projects  (The  White House
Rural  Development  Initiatives  1978).    A  project  is   identified   as
high-cost when the annual user charges are:

     o    1.5% of median household incomes less than $6,000
     o    2.0%  of  median household  incomes  between $6,000 and  $10,000
     o    2.5% of median household incomes greater than $10,000.

     The  1978 median household  income  for the  service  area has been
estimated to be $13,000 for permanent residents.   (No data are available
for seasonal resident income characteristics.)  According to the  Federal
criteria,  annual   user  charges should  not  exceed  2.5%  ($326)  of the
$13,000  median household income  figure.   Any  alternative having annual
user charges exceeding $326 is identified as a  high-cost  alternative and
is  likely to place  a financial  burden  on users of the  system.  Table
IV-6  identifies  the  alternatives  that   are  classified  as   high-cost
according to the Federal criteria.

     Significant financial burden is determined by comparing annual user
charges with the distribution of household incomes.   Families  not facing
a significant  financial  burden are the only families able to  afford the
annual  wastewater  user  charges.   Table  IV-7  shows  the percentage  of
households  estimated  to  face a significant  financial  burden  under each
of  the  alternatives.   The  centralized  alternatives (the Facility Plan
Proposed  Action, EIS  Alternative  1,  and EIS Alternative  2) imply annual
user charges  that  would  place a  significant financial burden  on 60-85%
of  the  households in  the  entire  system  if costs  were  distributed
equally, 5-25% of the households in Frankfort and Elberta, and 85-98%  of
the  households in  the unsewered  area.   EIS Alternatives 3,  4, and 5
would  place a  significant burden  on 15-30% of  the  households in the
entire  system  (costs distributed  equally),  10-25%  of  Frankfort and
Elberta  households, and.30-40% of the households in the  unsewered area.
EIS  Alternative 6 would place a  significant burden on 15-25% of total
system  households,  15-25%  of Frankfort  and  Elberta households,  and
25-30%  of  the  households   in the unsewered area.   The   Limited Action
Alternative would  place  the least financial burden on households in the
total system  (costs  distributed equally)  and the unsewered areas.  Only
5-10%  of  the  households  in  these  areas  would  face  a  significant
financial  burden  under  the  Limited Action Alternative.   The  Limited
Action Alternative would place a  significant financial burden on 15-25%
of the households in Frankfort and Elberta.

b.   Displacement Pressure

     Displacement  pressure  is the  stress  placed upon families  to move
away  from the  service  area as a result   of costly user  charges.  Dis-
placement  is  measured by  determining the percent  of  households having

                                   170

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                                                Table IV-6

                          HIGH-COST ALTERNATIVES (ANNUAL USER CHARGES EXCEED 2.5%
                                        OF MEDIAN HOUSEHOLD INCOME)


Alternative                               Entire System          Frankfort/Elberta          Unsewered Areas

1.  Facility Plan Proposed Action           High-cost                                         . High-cost

2.  Limited Action

3.  EIS Alternative 1                       High-cost                                          High-cost

4.  EIS Alternative 2                       High-cost                                          High-cost

5.  EIS Alternative 3

6.  EIS Alternative 4

7.  EIS Alternative 5

8.  EIS Alternative 6

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                                                Table
                                FINANCIAL BURDEN AND DISPLACEMENT PRESSURE
Alternative
1.  Facility Plan Proposed Action
       Displacement Pressure
    .   Financial Burden
       Can Afford

2.  Limited Action
       Displacement Pressure
       Financial Burden
    .   Can Afford

3.  EIS Alternative 1
       Displacement Pressure
       Financial Burden
       Can Afford

4.  EIS Alternative 2
       Displacement Pressure
       Financial Burden
       Can Afford

5.  EIS Alternative 3
       Displacement Pressure
       Financial Burden
    .   Can Afford

6.  EIS Alternative 4
       Displacement Pressure
       Financial Burden
    .   Can Afford

7.  EIS Alternative 5
       Displacement Pressure
    .   Financial Burden
    .   Can Afford

8.  EIS Alternative 6
       Displacement Pressure
       Financial Burden
    .   Can Afford
Entire System
   20-25%
   60-85%
   15-40%
    5-10%
   90-95%
   25-30%
   60-85%
   15-40%
   15-25%
   50-60%
   40-50%
    5-10%
   25-30%
   70-75%
    1-5%
   15-25%
   75-85%
    5-10%
   25-30%
   70-75%
    1-5%
   15-25%
   75-85%
Frankfort/Elberta
      1-5%
     15-25%
     75-85%
      1-5%
     15-25%
     75-85%
      1-5%
     10-15%
     85-90%
      5-10%
     90-95%
      1-5%
     15-25%
     75-85%
      1-5%
     15-25%
     75-85%
      1-5%
     10-15%
     85-90%
      1-5%
     15-25%
     75-85%
Unsewered Area
    50-60%
    85-98%
     2-15%
     5-10%
    90-95%
    50-60%
    85-98%
     2-15%
    40-50%
    60-85%
    15-40%
     5-10%
    30-40%
    60-70%
     5-10%
    25-30%
    70-75%
    10-15%
    30-40%
    60-70%
     5-1.0%
    25-30%
    70-75%
                                                                    CM

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annual user charges exceeding  5%  of  their income.   The  pressure  induced
by each of the alternatives is  listed in Table  IV-7.

     Displacement   pressure   is    highest    under   the    centralized
alternatives.   In the  unsewered area, 40-60% of the  households  will  face
displacement   pressure   under   the    centralized   alternatives.   EIS
Alternatives  3,  4,  and 5  have displacement pressures  of 5-15% in the
unsewered areas.  The decentralized  alternatives  may cause up 1-10%  of
the unsewered households to  be displaced.  Displacement pressure is not
as  severe  in   Frankfort   and  Elberta:    approximately  1-5%  of  the
households may potentially be  displaced under  each  of the  alternatives.
When  the costs  are distributed  equally throughout  the  service area,
displacement pressure ranges from  15-30% under centralized alternatives
to 1-5% under the decentralized alternatives.

c.   Conversion Pressure
     Wastewater  facilities  costs  are likely  to  encourage  the  trend,
already  underway,  of   converting   seasonal   residences  to  permanent
residences.   The  requirements  would impose a  relatively heavier  cost
burden  on  seasonal  residences  of  capital expenses  than on  permanent
ones.   These  residences  would  typically  be  used  only  three or  four
months during the year but would be charged for capital costs throughout
the year.  This may  place a financial burden on  seasonal residents who
are  maintaining  a  full-time  residence  in addition  to  their seasonal
residence.    The  higher  cost burden of  centralized  alternatives  will
exert more conversion pressure than the  cost burden of the decentralized
alternatives.   Because of the apparent high income of  seasonal residents
(based  on visual  inspection  of  seasonal residences)   the   number  of
seasonal-to-permanent  residential   conversions   as   a  result  of  the
wastewater user charges is likely to be  small  in any case.

4.   MITIGATIVE  MEASURES
     The significant financial burden and displacement pressure on users
in  the  unsewered areas  may be mitigated  by selection of  a  lower cost
decentralized  alternative.   The  local wastewater management authority
may seek to  obtain  a loan or grant from the Farmers  Home Administration
Such  a  loan  would  decrease  annual  user  charges  by spreading out  the
payment of  the  local  share over a  longer period of time  with a lower
interest rate.   The  impacts of the high costs  to  seasonal  users  may be
mitigated  by  not charging for  operation and  maintenance  during  the
months that seasonal residences are vacant.
                                   173

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F,    IMPACT MATRIX
IMPACT CATEGORY

Surface Water
Quaiity
IMPACT

Nutrient loading
(Phosphorus)
IMPACT TYPE
& DEGREE

Primary:
Long Term
                   Shoreline
                   Eutrophlcation;
                   Cladophora
                   growth
                    Primary:
                    Long Term
                   Non-Point Source
                   Runoff
                    Primary:
                    Short term
IMPACT DESCRIPTION

Crystal:

All Alternatives:

None of the alternatives will have a significant  im-
pact on phosphorus loading since only 7Z of existing
nutrient load comes from septic tanks in contrast  to
93% from non-point sources and precipitation.  Lake
trophic status will not be changed.

Betsle:

All Alternatives:

All alternatives will reduce phosphorus load by
43-48% by eliminating plant discharge or by chemi-
cally removing phosphorus In the RBC plant.  No  change
in trophic status as predicted by model.
                                    Alternatives  1.  2  and  Proposed Action:

                                    These  alternatives would  have the  greatest potential
                                    for eliminating  lakeshore eutrophication by eliminat-
                                    int septic tanks as  a  source of  nutrients  for
                                    Cladophora growth.

                                    Alternatives  3,  4, 5,  6:

                                    Would  eliminate  the  major sources  of  nutrients from
                                    septic tanks  by  sewering  the northeast  shore.  How-
                                    ever,  some on-site systems will  continue to leach
                                    nutrients  for localized algal growth  along the
                                    northwest.  (Alt.  3, 4, 5+6) and southeast shore
                                    (3,  4+5)

                                    Limited Action:

                                    On-site systems  vill continue to provide nutrients
                                    for shoreline Cladophora  growth.
                                                       Alternatives 1, 2, Proposed Action:

                                                       A temporary increase in soil erosion and sedimentation
                                                       will occur as the result of sewering

                                                       Alternative 3, 4, 5. 6:

                                                       Increased soil erosion and sedimentation will be less
                                                       than with the centralized alternatives.
                                       Secondary:
                                       Long Term
Groundwater
                   Groundwater
                   Qnantitv
                    Primary:
                    Long Term
                                       Secondary:
                                       Long Term
                Betsle:

                All Alternatives:

                Construction-related impacts  will  be  minimal.

                Alternatives 1,  2,  Proposed Action:

                Induced  growth Is  likely  to be  greatest  as  a  result
                of these alternatives and growth will be concentrated
                along the shoreline.   This may  result In increased
                non-point source runoff

                Alternatives 3,  4.  5.  6.  Limited Action:

                Growth is consistent with baseline projections and
                development  is scattered.  Therefore  in  comparison to
                centralized  alternatives,  increased non-point source
                runoff is less.

                All Alternatives (except  Limited Action):

                Failure  to return wastewater  flows to groundwater
                results  in negllbible loss of groundwater recharge
                to local aquifer(s)

                All Alternatives:

                Loss of  aquifer  recharge  area as the  result of develop-
                ment of  Impervious  surface cover is minimal.
                                                  174

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IMPACT CATEGORY
                   IMPACT

                   Groundwater
                   Quality
Environmentally
Sensitive Areas
Floodplain
                   Wetland
                   Steep SLopes
                    IMPACT TYPE
                    & DEGREE

                    Primary:
                    Long Term
Secondary:
Long Term
                                       Primary:
                                       Short or
                                       Long Term
                                       Secondary:
                                       Long Term
                                       Primary:
                                       Short  Term
                                       Primary:
                                       Long Term
IMPACT DESCRIPTION

Limited Action:

With the continued reliance on septic tanks, there Is
the possibility of localized high groundwater nitrate
concentrations.

Phosphorus from septic tanks will continue to leach in
concentrations sufficient to support localized algal
growth.

Alternatives 3, 4, 5 and 6: •

The potential  for nitrate contamination of groudwater
is minimized by sewering the northeast shore, since
this is the only lakeshore area with known localized
grounduater problems.  Similarly, phosphorus availability
for localized  algal growth is minimized.

Alternatives 1, 2, Proposed Action:

Sewering entire lakeshore area eliminates septic tanks
as a source of (1) nitrates for localized groundwater
contamination  and (2) phosphorus as a nutrient source
for localized  algal growth.

All Alternatives:

Impacts on flood hazard areas are expected to be minimal.

Alternatives 1. 2. 4. 5. and Proposed Action:

Construction-related impacts will be unavoidable.
Whether they are short- or lonR-term. depends upon the
extent to which the original configuration is restored.

All Alternatives;

Some growth may occur in wetlands adjacent to Betsie
River, regardless of the wastewater management alternative.

All Alternatives:

Some temporary increases in erosion and sedimentation
may occur as a result of construction.  These impacts
would be most significant for Alternatives 1, 2, and
Proposed Action.

Alternatives 3. 4. 5. 6; Limited Action:

Impacts associated with the use of decentralized systems
on steep slopes will be minimal; only systems designed
specifically for steep slopes will be used.
                                      Secondary:
                                      Long Term
                   Prime
                   Agricultural
                   Lands
                    Primary:
                    Short  Term
                                       Secondary:
                                       Long Term
                Limited Action:

                Development on steep slopes will be mlmlnal and scattered.

                Alternatives 1,  2, Proposed Action:

                Possible impacts to steep slopes along shoreline may
                occur with increased residential development.   This may
                result in increased erosion and sedimentation which
                contributes to non-point source runoff.

                Alternatives 3.  4. 5.  6:

                Less growth and  development of steeply slopes areas will
                result from these alternatives as compared to 1, 2 and
                Proposed Action.

                All Alternatives:

                Direct Impacts from construction of wastewater management
                alternatives will be minimal.

                Limited Action:

                Development of some prime agricultural land may result
                since large lot  scattered develop Is encouraged.

                Alternatives 1,  2, Proposed Action:

                Development of prime agricultural land is less likely
                since growth is  concentrated along the shore.

                Alternatives 3,  &, 5,  6:

                Some development of prime agricultural land may result.
                                               175

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IMPACT CATEGORY
                   IMPACT
Environmentally    Sand Dunes
Sensitive Areas
                    IMPACT TYPE
                    4 DEGREE

                    Primary:
                    Short Term
                IMPACT DESCRIPTION

                All Alternatives;

                Primary impacts on sand dunes will be minimal.
                                       Secondary:
                                       Long Term
                                       Impacts
Population
Rate of
Growth
Secondary:
Long Term
Land Use
                   Developable
                   Acreage:
                   Growth
                   Patterns
                    Secondary:
                    Long Term
Local Economy
Local Cost
Burden
Primary:
Long Term
Alternatives 3. 4. 5. 6. Limited Action:

Some development may occur on unprotected sand dunes.

Alternatives 1. 2. Proposed Action;

Development is likely to occur close to the shoreline as
a result of sewering.  Consequently development on unpro-
tected sand dunes is less likely.  '

Limited Action;

Projected study area population would be 11 below design
population for the year 2000.

Alternatives 3. 4. 5. 6;

Growth anticipated to increase 42 above baseline projections.

Alternatives 1. 2. Proposed Action:

Growth anticipated to increase 19% above baseline projections.

Limited Action;

Residential acreage is anticipated to Increase by 77Z even
If no centralized treatment is provided.  This alterna-
tive encourages scattered, low-density development.

Alternative 3. 4, 5 6:

Residential acreage would increase by about 85Z.  Develop-
ment would be less scattered and some high density develop-
ment would be found in sewered areas.

Alternative 1, 2, Proposed Action:

Residential acreage would increase by 88% or 630 acres.
Higher density development close to the shoreline would
result.

Limited Action;

Average annual cost per resident would be $100 for resi-
dents of Frankfort and Elberta and $50 for the residents
in unsewered areas.

Proposed Action:

Annual cost per resident would be  $110 for residents of
Frankfort and Elberta; and $720  for residents of unsewered
areas.  One-time household charge  for hook up to the
sewer would be approximately $l,000/household.

Alternative 1. 2:

Annual cost per resident would te  $90 or $60 for resi-
dents of Frankfort and Elberta for Alternative 1 and 2
respectively;  residents of currently unsewered areas
would pay $650  or $590 annually,  respectively.

Alternative 3, 4, 5:

Annual cost per resident would be  $110, $100, or $90 for
residents of Frankfort and Elberta for Alternatives  3, 4,
and 5 respectively.  Residents from currently unsewered
areas would pay $220, $180, or $240 annually for Alterna-
tives 3, 4, or 5  respectively.   One time household charge
for gravity sewer connection approximately would be  $1,000
per household.

Alternative 6:

Annual change  for residents of Frankfort and Elberta would
be $100, while the charge for residents of the currently
unsewered areas would be $190.   One-time household charge
would be approximately  $1,000.
                                                  176

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IMPACT CATEGORY
Local Economy
IMPACT

Financial
Burden;
Displacement
Pressure
IMPACT TYPE
& DEGREE

Primary:
Long Term
                   Community
                   Composition
                   and
                   Character
 IMPACT DESCRIPTION

 Limited Action:

 Displacement pressure is lowest with the limited action
 Alternative; 1-5% of the residents of Frankfort and
 Elberta would be threatened with displacement while
 less than 1% of  residents of unsewered areas would feel
 displacement pressure.   A financial burder would be
 experienced by about 25% of Frankfort/Elberta residents
 and 10% of residents of unsewered areas.

 Alternatives 1,  2. Proposed Action:

 Displacement pressure (50-60Z)  and financial burden
 (85-98%) are high for residents of currently unsewered
 areas.  About 1-5% of the residents of Frankfort and
 Elberta would feel displacement pressure while up to
 15% of the population would experience a financial bur-
 den with Alternative 1  and 2 and 25% with proposed
 action.

 Alternatives 3.  4, 5:

 Displacement pressure of 1-5% for residents of Frankfort
 and Elberta and  5-15% for residents of  unsewered areas.
 The financial burden would be 15-25% for residents of
 Frankfort and Elberta and 25-40% for residents of unsewered
 areas with Alternatives 3 and 4.  With Alternative 5 the
 financial burden would  be 10-15% for Frankfort and Elberta
 and 30-40% for residents of unsewered areas.
 Alternative 6:

 Displacement pressure of 1-5% for residents of Frankfort
•and Elberta and  5-10% for residents of unsewered areas.
 Financial burden would  be 15-25% for residents of Frank-
 fort and Elberta and 25-30% for residents of unsewered
 areas.

 Limited Action:

 Minimal impact on existing composition and character.

 Alternative 3. 4, 5, 6:

 Some loss of lower income population base due to dis-
 placement pressure.

 Alternative 1, 2, Proposed Action:

 Significant loss of lower income population base;
 potential disruption of community composition and charac-
 ter.
                                                177

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178

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                               CHAPTER V

                         RECOMMENDED ACTION
     As  discussed  in Section  I.D.I,  EPA has  several  possible choices
about the Facility Plan  Proposed  Action.  The Agency may:

     •    Approve the original  grant application,  possibly with recom-
          mendations   for  design  changes  and/or measures  to mitigate
          impacts of  the Facility Plan Proposed Action;

     e    Return  the  application  with  recommendations  for  additional
          Step I analysis;

     •    Reject the  grant  application;

     •    With the applicant's and State's  concurrence,  approve Step II
          funding  for  an  alternative  to   the  Facility  Plan Proposed
          Action.

     The  choice  of one  of these  options depends  on  how the EIS alter-
natives compare to the Facility Plan  Proposed Action.

     The  new  recommended alternative,  described  in this chapter,  is an
approach  to  meeting  the  problem of  water  quality in  the Study Area.
Selection of  this  alternative  is  tentative:  the applicant, the public,
and  State,  local  and Federal agencies  are expected  to provide input
regarding its impacts, funding and implementation.


A.   SELECTION OF THE RECOMMENDED ALTERNATIVE

1.   EVALUATION RESULTS

     Four primary criteria  were used  in selecting the recommended alter-
native:  costs, impact;  reliability;  and  flexibility.  Within  each cate-
gory  several  factors  were   compared.   Costs,  for  example,  included
present worth,  centralized user  charges, small waste flow  district user
charges, and  total 1980 private  costs.   Impacts  which  EPA considers to
be  decisive   in  alternative  selection  are identified  and considered.
Alternative reliability is  measured  against centralized collection and
treatment as  the standard.

     A  matrix provides  a  simple  method of visualizing the  relations
between  alternatives  and  the criteria  applied  in evaluating  them.  By
tabulating each  alternative and  the  factors that influence the range of
choices,  one  can quickly compare  the effect of  each  alternative upon
that  factor.   Section IV.F contains  a matrix  relating alternatives to
environmental  impacts.   Table V-l presents a  matrix  summarizing the
relationship   between  the alternatives  and their  costs,  environmental
impacts, reliability  and flexibility.
                                  179

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            Table V-l

ALTERNATIVE SELECTION MATRIX

LIMITED
ACTION
FACILITIES PLAN
PROPOSED
ACT ION
AI.TKKNATIVE
01
ALTERNATIVE
n
ALTERNATIVE
I'J
ALTERNATIVE
14
AI.TEHNATIVE
n
AI.TEKNA'I IVE
16
COSTS
PRESENT
WORTH
rox.
SI ,000/
Monachal J
Cruvlty
Stwcr
A^rux.
$1,OOU/
Ik.uicliotJ
UtJvJly
Stwor
Al.prux.
Si.nuu/
H.itisuli.ili]
ENVIRONMENTAL IHPACTS
SURFACE HATER
QUALITY IHPACTS
• I.lccl ctiuuge In total phoapliorub load to
Cryst 1 Lake; no channu In trophic utatus.
• tteduc J nutrient &u|t|>ly fur uhorellne algal
rt^ul Ing from Claimed growth.
• 44Z decreattc tn phouphorua loaJ tu Bel ale
Lake; no change In truptilc btatua.*

utatua.
growth.
• Slightly higher non-point u»uri:u loaJa.
• ~402 diiCietide In phubpliuiuu loud to Betsie

SAME AS PKOfOSbD ACTION

l^d to Bfiitfle Lake rt8Z). but atherulde
Aa compared to pi'tipoc>t:d act lun liajiacct) dre

but not L-I IntlnuiuJ (by dowering not thcaat
and boutliuust shored), and
» Nt>u-|i»lnt j,nurce nutrient loddu ulll be
dllKtuly Ut»tf.
StHIt-AK Tl) Al.TtKNATlVt; 13
SIMILAR TO AI.'I'LKN.MIVt I'j
bIMll.AK 10 AI.TKKtMTIVt 11
CROUNDUATER
QUALITY
IMPACTS
Potential for locul Itcd groundwat ur
contumlnallon by tiltraleu In alnlnlzcd
due to ui>e (it clubttfr syateou and by
upgiadlug exlatlng uyacCMB.
Similarly, nutrient availability for
localized algal growth f« reduced.


of nutrient for localized algal growth.
SAME AS PROPOSED ACTION
SAME AS PKOPOSEI) ACTION
Leaching of nttratct* and plioaplior'ib
but not ul Initiated.
SAME AS ALTERNATIVE 13
SAME AS Al.TtKNAllVE 13
SAME AS ALTERNATIVE I'l
                                                                                                                        o
                                                                                                                        00
             Bunngewcni  alternative was determin
             using Dillon Motit-1.  Due to shore
             hydraulic retention  time In Betule
             lake, this  moaVl may not give accur.
             picture of  trophic  status.

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           Alternattve Selection Matrix

UNITED
ACTION
PROPOSED
ACTION
ALTERNATIVE
01
ALTERNATIVE
12
ALTERNATIVE
13
ALTERNATIVE
14
ALTERNATIVE
IS
ALTERNATIVE
16
ENVIRONMENTALLY

steep slopes;
• Possibly Increased development
In sand dunes and prime
Agricultural lands is likely
to occur even If growth la
not Induced.

• Increased development on steep
slopes.
• More development along tlie

SAMR AS PROPOSED ACTION
SAME AS PROPOSED ACTION
• Slmtlpr to United action;
• Possibly further Increased
development of steep slopes.
• Possible short-term Impact on
vet lends .
• Otherwise similar to United
action except that development
on steep slopes nay be further
Increased.
SAMK AS ALTERNATIVE 14
SAME AS ALTERNATIVE £3
snctniicn'ioHic IMPACTS
POPULATION
IMPACTS
leas than
expected
191
Induced
growth
19Z
Induced
19X
Induced
growth
4Z
Induced
growth
42
Induced
growth
41
Induced
growth
Little or
no Induced
growth
I.ANI)
USE

lower density or not at
all.
630 acres developed;
growth concentrated In
near shore sewered areas.
630 acres developed;
growth concentrated In
630 acres developed;
601 acrea developed; near
oho es arena developed
at ower densities than
cen rallzud alternatives
ree Itlng In acre develop-
acn In arena remote from
laic shore.

otto re areas developed at
lower densities Chan
centralized alternatives
resulting In acre develop-
ment In areas remote from
laxeshore.


resulting In "ore devclop-
lakcghure.
Developed land will be
slightly higher than
that anticipated with
limited action alterno-
t ve. Near shore arena
will be developed nt
low density except for
Northeast Shore.
FINANCIAL
BURDEN 7,
VRANKFORT/
ELBERTA
15-25Z
15-25X
of

10-15X
5-10X
15-25Z
15-251
10-15Z
15-25*
SHALL
HAST EFL OW
DISTRICT
S-IOZ
85-981
of

85-961
60-85:
30-401
25-30Z
30-401
25-30Z
DISPLACEMENT
PRESSURE I
FRANKFORT/
ELBERTA
1-5Z
1-5Z
I-5X
<1.0Z
1-5X
1-5X
1-5Z
1-5Z
SMALL
WASTEFI.OW
DISTRICT

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     Table V-l  ranks the alternatives according to  their  total present
worth.  This is done for several reasons:

     o    Costs  are easily  quantifiable,  perhaps  the  least  subjective
          measure of value.

     o    Non-capital   costs  impact  other   factors   influencing  the
          decision-making  process:    user  charges,  displacement  pres-
          sures, and conversion pressures.

     o    EPA Construction Grants regulations require  selection of the
          most cost-effective alternative.   That is, the one meeting the
          project  goals with the least total  present worth and accept-
          able environmental and socioeconomic impacts.

     Selection of the cost-effective alternative requires identification
of trade-offs between costs  and other relevant criteria.  The evaluation
factors  included  with  total present worth in Table V-l  are  those EPA
determined to be most important in identifying trade-offs.

2.   CONCLUSIONS

     Most of  the  on-site systems around Crystal Lake and in the Village
of Benzonia are working well.  Approximately 90 effluent plumes entering
Crystal  Lake  and  a few  surface  malfunctions  have   been identified.
Periodic  sewage backup  in some systems also occurs.  On-site systems do
not appear as  a significant contributor of nutrients to Crystal Lake —
of  the  total  input  of phosphorus,  6.7%  or  less  comes  from effluent
plumes.   Where  plumes  do emerge, however,  they appear  to  be supporting
localized growths of Cladophora.

     The  only surface water quality  improvement in  Crystal Lake likely
to  result from  the  Facility Plan  Proposed  Action or any of  the EIS
alternatives  would be  the  possible  reduction in  number and  density of
localized growths  of Cladophora along the shoreline.   This could occur
if on-site systems along the shoreline were  abandoned  and cluster sys-
tems  or  centralized sewers used.  It also could occur for certain kinds
of  on-site  upgrading,  such  as  mound  systems.   No alternative should
affect  either adversely or  beneficially the  water  quality of the main
body of  Crystal Lake through the year 2000.

     Future  development in  the Crystal Lake  watershed depends  on how
many  new lots  can be developed and  the density of future development.
Alternatives  relying on continued use of on-site systems would restrict
both  the number of new  lots  and  their  density as  compared to extensive
sewering  around  the lake.   One effect of  these  limitations would be to
preserve  the present character of the community.

     There  are large  differences  in the present worth  and  user cost
among  the alternatives.  Both costs  increase with sewer centralization.
In the more expensive alternatives, high local user charges would result
in  substantial  displacement  pressure  for  the permanent  population and
pressure  for conversion of  seasonal  residences to permanent  use.  Pro-
portionate increases in water quality would not occur.


                                   182

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     Because of  the  high costs  and  limited benefits  to water  quality
with the centralized  alternatives (Facility Plan Proposed Action  and EIS
Alternatives 1  and  2), they are not  cost-effective and are not  recom-
mended.

     The  No Action  Alternative  was   unacceptable  for  three reasons:

     o    Existing treatment  plants  at Frankfort  and  Elberta  do not
          comply with effluent  requirements and contribute substantially
          to high productivity  in Betsie Lake.

     o    There are  some on-site system problems in  the remainder of the
          Proposed  Service  Area.   These   problems  can  be   addressed
          through monitoring,   improved maintenance  of the existing and
          future systems,  residential  water conservation, and  renovation
          or replacement of  existing systems.

     o    Improved surveillance and regulation  of on-site systems in the
          Crystal Lake  watershed  is  justified  to  maintain its  unique
          scenic and  recreational values.

     Those sections of  the  Proposed Service Area that would be  sewered
in EIS Alternative  3,  4  and  5,  showed insufficient   need for sewering
except for  areas  of  high  groundwater  along the  northeast  and  southeast
shorelines.  For the  two  shoreline  areas, off-site  treatment by land
application  (EIS  Alternative  6) or by cluster  systems  (Limited Action
Alternative) could remedy local problems.

     In addition  to  providing  off-site treatment for  the  northeast and
southeast shorelines, EIS Alternative  6 would  also  sewer the  Village  of
Benzonia.   The costs  for sewering Benzonia  are  high  and do not appear  to
be justified by the presence of only 5 surface  malfunctions.   Joint land
application  by  Benzonia and Beulah has been discussed  by officials  of
the two municipalities.  In the event that such an  approach  is proposed
by them  for Federal  funding,  a redesigned Alternative 6 may be appro-
priate.

     The  Recommended  Action in this  draft EIS  is the Limited  Action
Alternative described below (see Figure V-l).
B.   DRAFT EIS  RECOMMENDED ALTERNATIVE

1.   DESCRIPTION

     The Recommended Alternative includes:

     o    a  new  treatment  plant  to serve  Frankfort and  Elberta  and
          necessary interceptor sewers;

     o    sewer  system  evaluation surveys  and  rehabilitation of  sewer
          systems in Frankfort and Elberta;
                                   183

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                                                                          LEGEND
                                                            '*| ON-SITE DISPOSAL OR CLUSTER SYSTEMS
                                                           ;;: EXISTING GRAVITY  SEWER
                                                              USE  -*-i;
                                                            EXISTING   -
                                                             SYSTEM  If BENZOWA' *
                                                             (LAND
                                                             VUM11U>
                                                           TREATMENT)^',
                                                                        '
Figure y-1    Limited Action Alternative
                                                                                                            CG
                                                                                                            rH

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     o    design  and  implementation of  a  small  waste  flow  district;

     o    site-specific environmental and engineering analysis of exist-
          ing on-site  systems  in the  unsewered  parts of  the Proposed
          Service Area;

     o    repair and  renovation of on-site systems as needed;

     o    cluster  systems or other off-site treatment for the northeast
          and southeast  shorelines.   Additional  small  scale, off-site
          treatment units may be eligible  for  funding  if warranted by
          the site-specific  analysis  of  existing on-site  systems and
          relevant  cost-effective  analysis performed  during  Step II;

     o    survey  of effluent discharges to  Cold Creek to detect leakage
          from Beulah  sewers (Kerfoot  1978;  Tanis  1976),  followed by
          replacement or  repair of leaking pipes;  and

     o    survey of Crystal  Lake  groundwater flow  and direction to  allow
          final  assessment of flow reduction as an aid to treatment for
          the western third  of Crystal  Lake.

     Section  Ill.C^.b  presents  a  fuller  description  of  the Limited
Action  Alternative.   Discussions of  its  components  are  presented in
Section III.B.

2.   IMPLEMENTATION

     Design and  construction of the  interceptors and treatment plant for
Frankfort and Elberta  would proceed according  to established 201 Con-
struction Grants regulations.  Step II  and  III funding fof  these facil-
ities  should  be  applied  for and granted independently from grants for
unsewered portions  of the Proposed Service Area.   Management of central-
ized  facilities iii the Crystal Lake Study Area was discussed  in Section
III.D.l.b.

     Management  of  decentralized facilities'  was  discussed in Section
III.D.2.b and Appendix K.   Several  specific aspects of implementing the
Recommended Alternative ate  discussed below.

a.    Compliance  with  State   and Local Standards  in the Small
     Waste Flows  District

     As discussed in Section II.C.  many existing  on-site  systems do not
conform to  current design  standards for site,  design or distance  from
wells  or  surface  waters.   For some systems,  such as those with under-
sized  septic  tanks,  non-conformance can be remedied relatively easily
and  inexpensively.   In  other  cases the remedy  may  be  disruptive and
expensive.  Obviously,  extraordinary renovation or replacement should be
undertaken  only  where  the  need  is  clearly  identified.    Data  on the
effects of existing systems  indicate that many nonconforming systems, as
well  as future repairs  that still  may  not  conform to design  standards,
may  operate  satisfactorily. Where  compliance  with design  standards is
either  1)  in-feasible,  or too expensive or 2) site monitoring of ground
                                   185

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and surface waters  shows  that  acceptable  impacts  are attainable, then a
variance procedure to allow renovation  and continued use is recommended.
Decisions to grant variances should be  based  on  site-specific data or on
a substantial history of similar sites  in  the area.

     Local and  state decisions on  variance  procedures would likely be
influenced by  the degree  of authority vested in  the  small waste flows
district.  If  the district has sufficient financial backing to correct
errors, and trained  personnel  to  minimize errors  in granting variances,
variance procedures  may be  more liberal than if fiscal and professional
resources are  limited.   Higher local  costs, caused by unnecessary re-
pairs  or  abandonment of  systems  is expected to  result  from very con-
servative  variance  guidelines,  or none at  all.    Conversely,  ill-
conceived  or  improperly  implemented  variance  procedures  would  cause
frequent water  quality problems and demands  for more expensive off-site
technologies.

b.   Ownership of  On-Site  Systems  Serving Seasonal Residences

     Construction Grants  regulations  allow Federal funding for renova-
tion and replacement of publicly owned  on-site systems  serving principal
or seasonally occupied residences  and of privately owned on-site systems
serving   principal   residences.    Privately   owned   systems   serving
seasonally  occupied residences are not  eligible  for  Federally funded
renovation and replacement.

     Depending  on the extent  and  costs  of  renovation and replacement
necessary for  seasonal  residences,  the municipalities  or  a small waste
flow  district  may  elect  to  accept ownership  of  the  on-site systems.
Rehabilitation  of  these  systems  would  then  be   eligible  for Federal
assistance,  resulting in  a  drastic  (90%)   drop  in  local costs  for
seasonal   residents.   Any  decision   to   accept   ownership   on  a
community-wide  basis should await the   conclusions of the site-specific
environmental and engineering  analyses  and preliminary determination of
the  functions  of the management  agency.   Ownership of seasonally used
systems  may  create  responsibilities  that  the  agency does  not  want.

c.   Completion of Step I   (Facilities  Planning)  Requirements
     for the  Small Waste Flow District

     If  the  applicant,  local municipalities  and the State concur in the
Recommended Alternative,  Construction  Grants  regulations for individual
systems  ("Privately  owned alternative wastewater  treatment  works...
serving  one  or more principal  residences...") require the applicant to
take  the following  actions before  award of  a Step  II grant (40 CFR
35.918):

     o    Certify that the  project be  constructed and an operation and
          maintenance  program  established  to  meet  local,  State  and
          Federal requirements.

     o    Obtain assurance of unlimited access to  each  individual system
          at  all  reasonable  times  for such purposes  as  inspections,
          monitoring, construction, maintenance, operations, rehabilita-
          tion and replacement.

                                  186

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     o    Plan for comprehensive program  of regulation and  inspection for
          individual  systems.

     These actions  would have to be taken by the applicant prior to request-
ing Step II funds.

d.   Scope of Step II  for the Small Waste Flow District

     A  five  step  program  for  wastewater  management in  small waste  flow
districts was  suggested in  Section III.D.b.  The first three would appropri-
ately be completed  in Step  I.  These are:

     o    Develop a  site-specific environmental and  engineering data base,

     o    Design  the  management organization, and

     o    Agency  start-up

     EPA will  assist  the applicant in defining specific objectives and tasks
for Step II work, both before and after the Step II grant.

3.   IMPACTS   OF  THE  RECOMMENDED  ALTERNATIVE  AND  MITIGATING
     MEASURES
Impact

Soil erosion and resulting
sedimentation and nutrient
transport during construction
of on-site and cluster systems,
Frankfort-Elberta interceptors
and STP, new housing and  roads.

44% reduction in phosphorus
input to Betsie.  Trophic
status may improve.

Colonization of Cladophora  in
localized areas along Crystal
Lake shoreline will  continue.
Increase in number and density
is possible but not  predictable.
Potential for localized nitrate
standard violations in private
wells around Crystal Lake.
Potential will increase as
densities of wells and ST/SAS
increase.
Mitigating Measures

Compliance with provisions of the Soil
Erosion and Sedimentation Control Act.
Require individual plan approval for
construction on steep slopes and adopt
performance standards with specific
slope-density provisions.

Maintaining or improving on this reduc-
tion will require careful control and mon-
itoring of wastewater treatment processes.

Residential flow reductions, use of non-
phosphate detergents, control of lawn
fertilization, rehabilitation or replace-
ment of ST/SAS, off-site treatment, use
of composting toilets, local application
of copper sulfate. EPA will conduct field
studies on effluent/soil/groundwater/
Cladaphora relationships at Crystal Lake
in summer, 1979.

Detailed groundwater hydrology investiga-
tion during STEP II.  Design and operate
well and aquifer monitoring system during
Step II.  Develop reserve fund for future
off-site treatment facilities or community
wells.
                                   187

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Impact
Potential for bacterial, organic and
nutrient contamination of Betsie Lake
from pump station or treatment plant
malfunction.

Potential for bacterial, organic and
nutrient contamination of Crystal Lake
from cluster system or pressure sewer
pump malfunctions.

Control of apparent wastewater discharges
to Cold Creek from Beulah is not included
in the Recommended Action.

Water supply demands of increasing popu-
lation in Frankfort and Elberta will
exceed capacity of existing storage
and distribution facilities.

Design year population of Proposed Ser-
vice Area will be 7% less than EIS trend
projection.

Residential land acreage will increase
perhaps 77% during the planning period.

Existing properties in Crystal Lake
watershed will appreciate due to limi-
tations on amount of developable land.

Existing community composition and
character will change less rapidly with
other alternatives.

Limitation on developable acreage result-
ing from Recommended Alternative may
shift development pressure to sand dunes
west and southwest of Crystal Lake.


Average annual user charges for residents
of Frankfort and Elberta may be $100.  20
to 25% of the residents will face finan-
cial burdens.  1 to 5% may relocate to
avoid paying increased costs.

Average annual user charges in the small
waste flow district may be $50.  5 to
10% of the residents will face financial
burdens.  1 to 5% may relocate or convert
to permanent occupancy to avoid paying
charge.

Private costs for renovations or repair
of seasonally used systems may be high
due to ineligibility for grant.
Mitigating Measures
Can be minimized by adequate oper-
ation and maintenance procedures
and funding.
Periodic inspection and maintenance
of pump systems.  Emergency repair
service.


The Village should, independently
or with grant, identify and con-
trol these discharges.

Institue waste conservation plan
and/or expand facilities.
Benzie County should study the eco-
systems of the dunes and the impact
that development may have on them.
Lake Township should provide zoning
that protects the dunes.
Cede seasonally used systems to
small waste flow district.
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                             CHAPTER VI

             THE RELATIONSHIP BETWEEN SHORT-TERM USE
                   AND LONG-TERM  PRODUCTIVITY
A.   SHORT-TERM USE  OF THE STUDY AREA

     Crystal  Lake has been,  and  will continue  to be  used  as  a resi-
dential/recreational area.   The  site was  initially disturbed when con-
struction of houses first began.

     Disturbance   of   the  site  by  routine  residential/recreational
activities will  continue.   Implementation of either the action proposed
by the Facility Plan or recommended  in this EIS is not expected to alter
these disturbances.
B.   IMPACTS UPON  LONG-TERM PRODUCTIVITY

1.   COMMITMENT OF NON-RENEWABLE RESOURCES

     If  the  Facility   Plan   Proposed  Action  were  implemented,  the
increased  potential  for  development  might  result  in  some  loss  of
terrestrial habitat.  Such would  be expected  to  a  lesser  extent  by
implementation of the Recommended Alternative of this EIS.

     Non-renewable resources associated with either action  would include
concrete for  construction.  Consumption of electric power by pumps may
also increase.  Manpower would  also be  committed  to  the  construction,
operation and management of new or  rehabilitated facilities.

2.   LIMITATIONS ON BENEFICIAL  USE OF THE ENVIRONMENT

     Neither the Proposed Action nor the Recommended Action will have
any significant effect  on beneficial use of the environment.  Existence
of the community has predetermined  the uses to which the environment can
be put.
                                  189

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190

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                             Chapter VII

    IRREVERSIBLE  AND  IRRETRIEVABLE  COMMITMENT  OF  RESOURCES
     Those resources  associated  with construction  and maintenance of
wastewater systems would be committed.   These were discussed  in  Section
VI.B.I.

     In addition the growth expected in the Study Area would  require a
commitment of  resources  to  the construction of new dwellings and  com-
mercial  establishments,  construction  or  improvement  of roads,  and
facilities   associated   with  water   sports.    Besides   construction
materials, such as  lumber,  steel,  concrete and glass, electricity and
manpower would also  be committed to new development.

     Human resources would  include  construction personnel  and,  perhaps
infrastructural personnel to service the added community needs.
                                   191

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192

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                            Chapter VIII

       PROBABLE ADVERSE  IMPACTS  WHICH  CANNOT BE AVOIDED
     If the action proposed by the Facility Plan were implemented, some
destruction of  terrestrial habitat would result  from construction of new
dwellings.   Such would be  true,  but  to a  lesser  extent,  if the Recom-
mended Alternative  in  this EIS  were  implemented.  If  the Recommended
Alternative were selected,  some  reduced localized growth of Cladophora
might be  expected along the shoreline  of Crystal Lake.
                                  193

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194

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                               GLOSSARY
ACTIVATED SLUDGE PROCESS.   A method of secondary wastewater treatment in
     which a  suspended microbiological culture is maintained  inside an
     aerated treatment basin.  The  microbial  organisms oxidize the com-
     plex organic matter in the wastewater to  carbon dioxide, water, and
     energy.

ADVANCED WASTE TREATMENT.   Wastewater  treatment beyond the secondary or
     biological  stage  that  includes removal of nutrients  such as  phos-
     phorus  and  nitrogen  and a  high percentage  of  suspended solids.
     Advanced waste treatment, also known as  tertiary treatment, is the
     "polishing  stage" of  wastewater  treatment  and  produces a  high
     quality of effluent.

AEROBIC.  Refers to life or processes that occur only in the presence of
     oxygen.

ALGAL BLOOM.  A  proliferation of algae on the surface of lakes, streams
     or  ponds.   Algal  blooms are  stimulated by phosphate  enrichment.

ALKALINE.  Having  the qualities  of a base,  with  a pH of more than 7.

ALLUVIAL.  Pertaining  to  material  that  has been  carried by  a stream.

ALTERNATIVE  TECHNOLOGY.   A  technology whose  use  has been  widely sup-
     ported  by  experience,  but  is  not a  variant  of  conventional bio-
     logical or physical/chemical treatment.

AMBIENT AIR.   The unconfined portion of the atmosphere; the outside air.

ANAEROBIC.   Refers  to life  or processes  that  occur  in  the absence of
     oxygen.

AQUATIC  PLANTS.   Plants  that grow in water,  either  floating on the
     surface, or rooted emergent or submergent.

AQUIFER.  A  geologic  stratum or unit that contains water and will allow
     it  to  pass through.   The water  may  reside in  and  travel through
     innumerable spaces between rock grains in a sand or gravel aquifer,
     small  or  cavernous  openings  formed  by  solution  in  a  limestone
     aquifer, or fissures,  cracks,  and  rubble in such harder rocks as
     shale.

ARTESIAN AQUIFER.  A  water-filled layer that  is sufficiently compressed
     between less permeable layers  to cause the water to rise above the
     top  of  the aquifer.   If the  water  pressure  is  great, water will
     flow freely from artesian wells.

ARTESIAN  WELL.   A well  in  which flow is sustained  by the hydrostatic
     pressure of the aquifer.  See Artesian Aquifer.
                                    195

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BACTERIA.  Any  of a  large group of microscopic plants  living  in soil,
     water or organic matter, important to man because of their chemical
     effects as  in  nitrogen fixation,  putrefaction, or fermentation,  or
     as pathogens.

BAR SCREEN.  In wastewater treatment, a screen that removes large float-
     ing and suspended solids.

BASE  FLOW.   The  rate of  movement  of  water  in  a  stream  channel which
     occurs typically during rainless  periods when stream flow is main-
     tained largely or entirely by discharges of groundwater.

BASIC  USAGE.   In regard  to functions of  small waste  flow districts,
     those  which  would  be  required  to  comply  with EPA  Construction
     Grants regulations governing individual on-site wastewater systems.

BEDROCK.  The solid rock beneath the soil and subsoil.

BIOCHEMICAL  OXYGEN DEMAND  (BOD).    A  measure of  the amount  of oxygen
     consumed in  the  biological processes that decompose organic matter
     in water.   Large amounts of organic waste  use up large amounts  of
     dissolved oxygen;  thus, the  greater the degree  of pollution,  the
     greater the  BOD.

BIOMASS.   The  weight  of  living matter in a  specified unit of environ-
     ment.   Or,   an expression  of  the .total  mass  or  weight of a given
     population of plants  or animals.

BIOTA.  The plants and animals of an area.

BOD-.   See "Biochemical  Oxygen  Demand."   Standard  measurement is made
     for 5 days at 20°C.

BOG.   Wet,  spongy  land; usually  poorly  drained, and  rich  in plant
     residue, ultimately  producing highly acid peat.

CAPITAL  COSTS.    All  costs associated  with  installation (as opposed  to
     operation) of a  project.

CAPITAL EXPENDITURES.  See Capital Costs.

CHLORINATION.  The  application  of  chlorine to drinking water,  sewage or
     industrial   waste  for  disinfection  or  oxidation  of  undesirable
     compounds.

COARSE FISH.  See Rough Fish.

COLIFORM  BACTERIA.   Members of a large group  of bacteria that  flourish
     in  the  feces and/or intestines of  warm-blooded animals,  including
     man.  Fecal coliform bacterial,  particularly Escherichia coli (E.
     coli.),  enter water mostly in fecal matter, such  as sewage  or feed-
     lot  runoff.   Coliform bacteria  apparently  do not  cause  serious
     human diseases,  but  these organisms are abundant  in polluted waters
     and  they are  fairly easy to  detect.   The  abundance  of  coliform
     bacteria

                                   196

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     in water, therefore,  is  used as an index to the probability of the
     occurrence   of   such  diease-producing   bodies  (pathogens)   as
     Salmonella,   Shigella,  and  enteric viruses.   These  pathogens  are
     relatively difficult to detect.

COLIFORM ORGANISM.   Any of a  number of organisms common to  the intes-
     tinal tract  of  man and animals  whose presence  in  wastewater is an
     indicator  of  pollution  and of  potentially  dangerous  bacterial
     contamination.

COMMINUTOR.  A machine that breaks up wastewater solids.

CONNECTION FEE.  Fee charged by municipality to hook up house connection
     to lateral sewer.

CUBIC FEET PER SECOND (cfs).  A measure of the amount of water passing a
     given point.

CULTURAL  EUTROPHICATION.    Acceleration by  man  of  the  natural  aging
     process of bodies of water.

DECIDUOUS.  The  term describing a plant that periodically  loses all of
     its leaves,  usually  in the autumn.  Most broadleaf trees  in North
     America, and a  few conifers, such as larch and cypress, are decid-
     uous.

DECOMPOSITION.  Reduction of the net  energy level and change in chemical
     composition  of organic matter  by action  of aerobic  or anaerobic
     microorganisms.   The  breakdown  of complex  material   into  simpler
     substances by chemical or biological means.

DETENTION  TIME.   Average time  required to flow  through a  basin.   Also
     called retention time.

DETRITUS.  (1) The heavier debris moved by natural watercourses, usually
     in  bed  loam form.   (2)  The sand, grit, and other coarse material
     removed by  differential  sedimentation in a relatively short period
     of detention.

DISINFECTION.  Effective  killing by  chemical or physical  processes of
     all organisms  capable  of  causing infectious disease.   Chlorination
     is  the  disinfection method  commonly  employed  in  sewage treatment
     processes.

DISSOLVED  OXYGEN  (DO).    The   oxygen  gas  (02)   dissolved  in water or
     sewage.   Adequate  oxygen  is necessary for maintenance  of fish and
     other  aquatic  organisms.   Low  dissolved  oxygen  concentrations
     generally are  due to  presence  of excessive organic  solids having
     high BOD in  inadequately treated wastewater.

DRAINAGE BASIN.   (1)  An area from which surface  runoff is  carried away
     by  a  single drainage  system.   Also  called  catchment  area, water-
     shed,  drainage area.   (2)  The  largest  natural  drainage area sub-
     division of  a continent.  The United States has been  divided at one
                                   197

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     time or  another,  for various administrative purposes, into some 12
     to 18 drainage basins.

DRAINAGEWAYS.   Man-made passageways, usually lined with  grass  or rock,
     that carry runoff  of surface water.

EFFLUENT.  Wastewater  or other liquid, partially or completely treated,
     or in  its  natural state, flowing out of a reservoir, basin, treat-
     ment plant, or industrial treatment plant, or part thereof.

EFFLUENT LIMITED.   Any stream segment for which  it  is  known that water
     quality  will  meet applicable  water quality  standards after  the
     application of effluent limitations.

ELEVATED  MOUND.   A  mound,  generally  constructed  of  sand,   to  which
     settled  wastewater is applied.   Usually used  in  areas where con-
     ventional on-site  treatment is inadequate.

ENDANGERED  SPECIES (FEDERAL CLASSIFICATION).  Any species  of animal or
     plant declared to  be in known danger of extinction throughout al or
     a significant part of its range.  Protected under Public Law 93-205
     as amended.

ENDANGERED  SPECIES  (STATE CLASSIFICATION).   Michigan's  list  includes
     those species on the Federal list that are resident for any part of
     their life cycle in Michigan,  also includes indigenous species the
     State believes are uncommon and in need of study.

ENDECO.  Type 2100 Septic Leachate Dector.  See "Septic Snooper".

ENVIRONMENT.   The  conditions  external  to  a particular   object,  but
     generally  limited  to  those conditions  which  have  a  direct  and
     measurable  effect  on  the  object.   Usually  considered to  be  the
     conditions  which   surround  and  influence  a  particular  living
     organism,  population,  or  community.   The  physical  environment
     includes   light,   heat,  moisture,  and  other  principally  abiotic
     components.   The  components  of  the biotic environment  are other
     living organisms and their products.

ENVIRONMENTAL  IMPACT  STATEMENT.   A  document required by  the  National
     Environmental  Policy Act (PL  91-190,  1969) that is  used  in  the
     decision-making  process  to evaluate  the effects  (impacts) of  a
     proposed action on the human, biological, and physical environment.

EPILIMINION.   The  upper  layer of more  or  less  uniformly  warm,  circu-
     lating,  and  fairly  turbulent  water  in lakes  during  the  spring
     heating  season.

EROSION.  The process by which an object is eroded, or worn away, by the
     action  of  wind,  water,  glacial  ice,  or  combinations  of these
     agents.   Sometimes used to refer to results of chemical actions or
     temperature  changes.   Erosion  may  be accelerated by  human activ-
     ities.
                                    198

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EUTROPHIC.   Waters  with a relatively  large concentration  of  nutrients
     and hence a large production of organic matter,  often shallow,  with
     periods of oxygen deficiency.

EUTROPHIC LAKES.  Shallow lakes, weed-choked at the  edges and  very  rich
     in  nutrients.    The  water  is  characterized  by  large amounts  of
     algae, low  water transparency,  low dissolved oxygen and  high  BOD.

EUTROPHICATION.  The normally slow aging process by which a  lake evolves
     into  a bog or  marsh,  ultimately assumes  a  completely terrestrial
     state and  disappears.   During  eutrophication the lake becomes  so
     rich  in  nutritive compounds,  especially nitrogen and phosphorus,
     that  algae  and plant life become  superabundant,  thereby  "choking"
     the lake  and causing  it eventually to  dry up.   Eutrophication may
     be accelerated by human activities.

EVAPOTRANSPIRATION.    A process  by  which  water  is evaporated  and/or
     transpired from water,  soil, and plant surfaces.

FECAL  COLIFORM BACTERIA.   The group of organisms common to the intes-
     tinal tracts of man and of animals.  The presence of fecal coliform
     bacteria  in water  is  an indicator of  pollution and  of potentially
     dangerous bacterial contamination.

FLOE.  A sheet of floating ice.

FORCE MAIN.  Pipe designed to carry wastewater under pressure.

GLACIAL DEPOSIT.  A mass  of rock,  soil, and earth material deposited by
     a  melting  glacier.   Such material  was  originally  picked  up and
     carried  along  its path  by  the  glacier,  and  usually  varies  in
     texture  from  very  fine  rock  flour  to large  boulders.   Named
     according to their location and shape.

GLACIAL DRIFT.   Material  which  has  been  deposited  by a glacier or in
     connection  with  glacial  processes.   It consists  of  rock flour,
     sand, pebbles,  cobbles, and  boulders.  It may occur  in  a heter-
     ogeneous  mass   or  be more  or  less  well-sorted, according  to its
     manner of deposition.

GRAVITY  SYSTEM.   A  system  of  conduits  (open or  closed)  in  which  no
     liquid pumping  is required.

GROUNDWATER.  Water  that is below the water table.

GROUNDWATER  RUNOFF.   Groundwater  that  is  discharged   into   a  stream
     channel as  spring or seepage water.

HABITAT.   The specific place  or the  general kind  of  site in which a
     plant  or animal  normally  lives  during  all  or  part  of  its  life
     cycle.

HOLDING TANK.   Enclosed tank, usually of fiberglass or concrete, for the
     storage  of  wastewater prior  to  removal or  disposal at another
     location.

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HYDROPONIC.  Refers  to  growth of plants in a nutrient solution, perhaps
     with the mechanical support of an inert medium such as sand.

HYPOLIMNION.  Deep, cold and relatively undisturbed water separated from
     the surface layer in lakes.

IGNEOUS.   Rock  formed  by  the  solidification  of magma  (hot  molten
     material).

INDIAN MOUND SYSTEM.  See Elevated Mound.

INFILTRATION.   The flow of  a fluid  into  a substance  through pores or
     small  openings.   Commonly used in hydrology to denote  the flow of
     water  into soil material.

INFILTRATION/INFLOW.   Total  quantity of water  entering a sewer system.
     Infiltration  means  entry through such  sources as  defective pipes,
     pipe joints,  connections, or manhole walls.   Inflow signifies dis-
     charge  into  the sewer system through service  connections from such
     sources  as area or foundation drainage,  springs and swamps, storm
     waters, street wash waters, or sewers.

INTERCEPTOR  SEWERS.   Sewers  used  to collect  the  flows from  main and
     trunk  sewers and carry  them to a  central  point for treatment and
     discharge.   In a combined  sewer system,  where  street runoff from
     rains  is  allowed to enter the system along the sewage, interceptor
     sewers allow  some of the  sewage  to flow untreated directly into the
     receiving  stream,  to prevent the treatment  plant  from being over-
     loaded.

INNOVATIVE  TECHNOLOGY.   A  technology whose  use  has  not been widely
     documented  by  experience  and  is  not a  variant   of  conventional
     biological or physical/chemical  treatment.

LAGOON.   In wastewater treatment, a  shallow pond,  usually man-made, in
     which  sunlight,  algal and bacterial  action  and  oxygen interact to
     restore the wastewater to a reasonable state of purity.

LAND TREATMENT.   A method of  treatment  in which the soil, air, vegeta-
     tion,  bacteria,  and  fungi  are  employed  to remove pollutants from
     wastewater.   In  its  most simple  form,  the method  includes three
     steps:   (1)  pretreatment to screen out large  solids;  (2) secondary
     treatment  and chlorination; and (3) spraying over cropland, pas-
     ture,  or natural vegetation to allow plants and soil microorganisms
     to  remove  additional pollutants.  Much of the sprayed water evapo-
     rates,  and the remainder may be allowed  to percolate to the water
     table,  discharged  through  drain  tiles,  or  reclaimed  by wells.

LEACHATE.   Solution formed when  water percolates through solid wastes,
     soil  or other  materials and  extracts  soluble or  suspendable sub-
     stances from the material.
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LIMITING FACTOR.   A factor whose  absence,  or  excessive  concentration,,
     exerts some restraining influence upon a population.

LOAM.   The textural  class  name for  soil having  a  moderate  amount  of
     sand,  silt, and  clay.  Loam soils contain 7  to  27%  of clay,  28  to
     50% of silt, and less than 52% of sand.

LOESS.   Soil  of wind-blown origin, predominantly  silt and  fine  sand.

MACROPHYTE.   A  large  (not  microscopic)  plant, usually  in  an  aquatic
     habitat.

MELT  WATER.   Water which is  formed from the melting of  snow,  rime,  or
     ice.

MESOTROPHIC.   Waters with a moderate supply of nutrients and no signifi-
     cant production of organic matter.

MESOTROPHIC LAKE.   Lakes  of intermediate characteristics  between oligo-
     trophic and eutrophic.   They contain a moderate supply of nutrients
     and plant life.

METHEMOGLOBINEMIA.   The presence of methemoglobin  in the  blood.   Methe-
     moglobin is  the oxidized  form of  hemoglobin  and it  is unable  to
     combine reversibly with oxygen.

MICROSTRAINER.   A   device for screening  suspended  solids that  are  not
     removed by sedimentation.

MILLIGRAM  PER LITER  (mg/1).   A concentration of 1/1000  gram of a sub-
     stance in  1 liter  of water.  Because 1  liter of pure water weighs
     1,000 grams,  the concentration  also can be stated  as  1 ppm (part
     per million,  by weight).   Used  to measure and  report the  concen-
     trations  of most  substances  which  commonly  occur  in  natural  and
     polluted waters.

MORPHOLOGICAL.  Pertaining to Morphology.

MORPHOLOGY.  The form or structure of a plant or animal, or of a feature
     of  the  earth, such  as a  stream,  a lake, or the  land in general.
     Also,  the   science  that   is concerned  with the  study of  form  and
     structure  of  living organisms.  Geomorphology deals with the form
     and structure  of the earth.

NON-POINT  SOURCE.   A  general  source of pollution not originating from a
     single controllable  source.   Surface water runoff is an example of
     a non-point source that is not easily controlled.

NUTRIENT BUDGET.  The amount of nutrients entering and leaving a body of
     water on an annual basis.

NUTRIENTS.   Elements  or  compounds  essential  as  raw  materials  for
     organisms  growth and  development,  e.g. carbon,  oxygen,, nitrogen,
     and phosphorus.


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OLIGOTROPHIC.   Waters with  a  small  supply of  nutrients  and hence  an
     insignificant production of organic matter.

OLIGOTROPHIC LAKES.   Deep  lakes that have a low supply of nutrients and
     thus  contain little organic matter.   Such  lakes  are  characterized
     by high water transparency and high dissolved oxygen.

ORDINANCE.  A municipal or county regulation.

OUTWASH.   Drift  carried  by  melt  water  from  a  glacier and  deposited
     beyond the marginal moraine.

OUTWASH PLAIN.  A plain formed by material deposited by melt water from
     a glacier  flowing over a more or  less  flat surface of large area.
     Deposits of  this origin are usually  distinguishable  from ordinary
     river deposits  by the fact that they often grade into moraines and
     their constituents  bear evidence  of glacial origin.   Also  called
     frontal apron.

PARAMETER.  Any of a set of  physical properties  whose  values  determine
     characteristics  or behavior.

PERCOLATION.   The downward  movement of  water  through pore  spaces  or
     larger voids  in  soil or  rock.

PERMEABILITY. The property or capactiy of porous rock, sediment,  or soil
     to transmit  a fluid,  usually water or  air;  it  is  a measure  of the
     relative  ease  of  flow under  unequal pressures.   Terms used  to
     describe the permeability of  soil are:  slow, less  than 0.2 inch
     per  hour;  moderately  slow, 0.2 to 0.63 inch; moderate, 0.63  to 2.0
     inches;  moderately  rapid.  2.0  to 6.3  inches; and  rapid,  more than
     6.3  inches per hour.  A very slow class and a very rapid class also
     may be recognized.

PETROGLYPH.  An ancient or prehistoric carving or inscription on a rock.

PHOSPHORUS LIMITED.   Of all  the primary  nutrients necessary to  support
     algal growth, phosphorus  is  in the  shortest supply  and  therefore
     can  limit additional algal growth.

PHYTOPLANKTON.  Floating plants, microsopic  in  size,  that  both  supply
     small animals with food  and give polluted water its green color and
     bad  taste.

POINT SOURCE.  A  stationary  source of a large individual emission.  This
     is  a general definition;  point  source  is legally  and  precisely
     defined in Federal regulations.

POVERTY LEVEL.   An  index  providing a  range of poverty  income  cutoffs
     adjusted by  such factors as family size, sex of family head,  number
     of children  under 18 years of age, and farm or non-farm residence.

PREHISTORIC.   A  term which  describes  the period of  human development
     that occurred before the advent of written records.  More generally,
     any  period in geologic  time before written history.

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PRESENT WORTH.   The sum of money that must be set aside at the beginning
     of the planning period  in  order to amortize the costs of a project
     over the planning  period.

PRESSURE SEWER  SYSTEM.  A wastewater collection system  in which house-
     hold  wastes   are  collected  in  the  building  drain and  conveyed
     therein to the pretreatment  and/or pressurization  facility.   The
     system  consists  of  two  major elements,  the  on-site  or pressuri-
     zation facility, and  the primary conductor pressurized sewer main.

PRIMARY PRODUCTION.  Growth  of  green plants resulting from solar energy
     being fixed as sugar  during photosynthesis.

PRIMARY  TREATMENT.   The  first  stage in  wastewater treatment  in which
     substantially  all  floating or  settleable solids  are mechanically
     removed by screening  and sedimentation.

RAPID INFILTRATION.  A  form of land treatment where wastewater is placed
     into spreading basins and  applied  to the  land  to undergo percola-
     tion into the soil.

RARE SPECIES.   A  species  not Endangered or  Threatened but uncommon and
     deserving of further  study and monitoring.  Peripheral species, not
     listed as  threatened, may  be  included  in  this  category  along with
     those  species  that were once  "threatened"  or "endangered" but now
     have increasing or protected,  stable populations.

RECHARGE.  The process  by  which water is added to an aquifer.   Used also
     to indicate  the water that is added.  Natural recharge occurs when
     water from rainfall or a stream enters the ground and percolates to
     the water table.  Artificial recharge by spreading water on absorp-
     tive ground  over  an  aquifer or by injecting water through wells is
     used to store  water  and to protect  groundwater  against  the intru-
     sion of sea water.

ROTATING BIOLOGICAL CONTACTOR  (RBC).   A device,  consisting  of plastic
     disks that rotate  alternately through wastewater and air, used for
     secondary treatment of wastewater.

ROUGH FISH.  Those fish species considered to be of low sport value when
     taken  on   tackle,   or of  poor  eating quality; e.g.  gar,  suckers.
     Rough  fish  are more tolerant  of  widely changing environmental
     conditions than are game fish.  Also called coarse fish.

RUNOFF.  The portion of  rainfall,  melted  snow  or  irrigation  water that
     flows  across  the  ground  surface  and eventually  is returned  to
     streams.   Runoff  can pick  up pollutants from the  air or the land
     and carry them to  the receiving waters.

SANITARY SEWERS.  Sewers that transport only sanitary wastewater.  Storm
     water runoff is carried in a separate system.  See sewer.

SANITARY SURVEY.   A method used to determine  possible sources of water
     quality  and  public   health problems   and  to  locate inadequately


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     functioning  wastewater  systems  by  making site-specific  investi-
     gations of existing lots and systems.

SCENIC  EASEMENT.   A  partial transfer  of  land  rights to preserve  the
     aesthetic attractiveness of the land by restricting activities such
     as  the  removal of  trees,  placement  of billboards,  or  development
     incompatible with the scenic qualities of the land.  Just compensa-
     tion is  given  to  owners for rights lost.   The right of legal tres-
     pass is generally not included as part of this easement.

SECCHI DISK.  A round plate, 30 cm (1 foot) in diameter, that is used to
     measure  the  transparency of  water.   The disk is  lowered  into  the
     water until  it  no longer can be seen from the surface.  The depth
     at  which  the disk becomes invisible  is a  measure of transparency.

SECONDARY TREATMENT.  Wastewater treatment in which bacteria consume the
     organic  parts  of  the wastes.   This  biochemical  action is  accom-
     plished  by  use of  trickling filters or the  activated  sludge pro-
     cess.  Effective  secondary treatment  may  remove approximately 90%
     of both BOD,, and suspended solids.

SEEPAGE  CELLS.  Unlined  wastewater lagoons designed so that all or part
     of wastewater percolates into the underlying soil.

SEPTIC SNOOPER.   Trademark for the ENDECO  (Environmental Devices Corpor-
     ation) Type  2100 Septic  Leachate  Detector.   This instrument con-
     sists  of an underwater  probe,  a water intake system,  an  analyzer
     control  unit  and  a  graphic  recorder.   Water  drawn  through  the
     instrument  is  continuously analyzed  for  specific fluorescence and
     conductivity.   When  calibrated  against  typical  effluents,  the
     instrument   can  detect  and  profile  effluent-like  substances  and
     thereby  locate  septic tank  leachate or other sources  of  domestic
     sewage entering lakes and streams.

SEPTIC  TANK.   An underground  tank used  for the  collection  of  domestic
     wastes.   Bacteria in the wastes decompose  the organic  matter,  and
     the  sludge  settles  to  the  bottom.  The  effluent  flows  through
     drains into  the ground.  Sludge is pumped out at regular intervals.

SEPTIC  TANK  EFFLUENT  PUMP (STEP).   Pump designed to  transfer settled
     wastewater from a septic tank to a sewer.

SEPTIC  TANK  SOIL ABSORPTION SYSTEM.  A system of wastewater disposal in
     which  large  solids  are retained in a tank; fine solids and liquids
     are dispersed  into the  surrounding  soil  by a  system of  pipes.

SEWER,  COMBINED.   A sewer, or system of  sewers, that is used to collect
     and conduct both sanitary  sewage  and  storm-water runoff.  During
     rainless  periods, most  or  all of  the flow in a combined  sewer is
     composed  of  sanitary sewage.   During  a storm, runoff increases the
     rate of  flow and may overload the  sewage  treatment plant to which
     the sewer connects.  At such times,  it is common  to divert some of
     the flow, without treatment, into the  receiving water.
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SEWER, INTERCEPTOR.   See  Interceptor Sewer.

SEWER, LATERAL.   A sewer  designed and installed to collect sewage from a
     limited number of individual properties  and conduct it to  a  trunk
     sewer.   Also known as a street  sewer or collecting sewer.

SEWER, SANITARY.   See Sanitary Sewer.

SEWER, STORM.  A conduit that collects and transports  storm-water run-
     off.   In  many  sewerage  systems,  storm  sewers  are separate from
     those carrying sanitary or industrial wastewater.

SEWER, TRUNK.  A  sewer designed  and installed to  collect  sewage from a
     number of lateral sewers  and conduct it to an interceptor sewer or,
     in some cases,  to a  sewage treatment plant.

SHOALING.  The bottom effect  that influences  the height of waves moving
     from deep to shallow water.

SINKING  FUND.  A fund established  by periodic  installments  to  provide
     for the retirement of the principal of term bonds.

SLOPE.  The incline of the surface of the land.  It is  usually expressed
     as  a  percent (%) of slope  that equals the number of  feet  of fall
     per 100 feet in horizontal distance.

SOIL  ASSOCIATION.   General  term used  to  describe  taxonomic units  of
     soils, relative proportions, and pattern of occurrence.

SOIL  TEXTURAL CLASS.   The classification of soil  material  according to
     the proportions  of  sand, silt,  and clay.   The principal textural
     classes  in  soil,  in increasing  order of  the  amount  of silt and
     clay,  are as follows:   sand,  loamy sand,  sandy  loam,  loam, silt
     loam,  sandy clay  loam,  clay  loam,  silty  clay loam,  sandy  clay,
     silty clay,   and  clay.  These class names are modified to indicate
     the  size  of  the sand fraction or  the  presence  of gravel,  sandy
     loam, gravelly  loam,  stony  clay,  and cobbly  loam, and are  used on
     detailed soil  maps.   These terms  apply only  to individual soil
     horizons or  to the surface layer of a soil type.

STATE EQUALIZED  VALUATION  (SEV).  A measure employed within  a State to
     adjust actual assessed valuation  upward  to approximate true market
     value.  Thus it is possible to  relate debt burden to the full value
     of taxable property in each community within that State.

STRATIFICATION.   The  condition of a lake, ocean, or other body of water
     when  the  water  column  is  divided  into  a  relatively  cold bottom
     layer  and a relatively  warm surface  layer,  with a thin boundary
     layer  (thermocline) between them.   Stratification generally occurs
     during  the  summer and during  periods  of ice cover  in the  winter.
     Overturns,   of  periods of mixing,  occur  in  the spring and  autumn.
     This condition is most common in middle latitudes and is related to
     weather conditions,  basin morphology, and altitude.
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STUB FEE.  See Connection Fee.

SUCCESSION.   The  ecological  process  by  which terrestrial and  aquatic
     environments age.

SUPPLEMENTAL  USAGE.   In  regard  to  functions  of  small  waste  flow
     districts, those  which are  not  required to  comply with EPA  Con-
     struction Grants  regulations governing  individual,  on-site waste-
     water  systems.   May be  necessary  to  achieve administrative  or
     environmental objectives.

SUSPENDED  SOLIDS  (SS).   Small  solid  particles that  contribute  to  tur-
     bidity.   The  examination   of  suspended  solids  and  the BOD  test
     constitute the  two  main determinations for water quality performed
     at wastewater treatment facilities.

TERTIARTY TREATMENT.  See Advanced Waste Treatment.

THREATENED  SPECIES  (FEDERAL CLASSIFICATION).  Any species  of animal  or
     plant  that  is  likely  to become an  endangered  species  within  the
     foreseeable  future   throughout  all   or  a  significant  part  of  its
     range.  Protected under Public Law 93-205, as amended.

TILL.   Deposits  of  glacial  drift  laid  down in  place as the  glacier
     melts.   These  deposits  are neither  sorted nor  stratified  and  con-
     sist  of  a heterogeneous mass of rock flow, sand, pebbles,  cobbles,
     and boulders.

TOPOGRAPHY.   The  configuration  of a surface  area  including its  relief,
     or  relative  evaluations, and the position of its  natural  and  man-
     made features.

TRICKLING FILTER PROCESS.  A method of secondary wastewater treatment in
     which  the biological growth  is  attached to  a  fixed  medium,  over
     which  wastewater  is sprayed.   The   filter organisms  biochemically
     oxidize  the  complex organic matter in  the  wastewater to carbon
     dioxide, water, and  energy.

TROPHIC  LEVEL.  Any of the  feeding levels  through which the  passage of
     energy  through an  ecosystem  proceeds.   In simplest  form,  trophic
     levels   are:   primary  producers   (green   plants)   herbivores,
     omnivores, predators, scavengers, and decomposers.

WATER QUALITY.  The relative condition of a body of water as judged  by a.
     comparison between   contemporary  values  and  certain more  or  less
     objective standard values for biological, chemical, and/or physical
     parameters.   The  standard  values usually are based on  a  specific
     series  of  intended  uses,  and may vary  as the  intended  uses vary.

WATER TABLE.  The  upper  level of groundwater that is not confined by an
     upper  impermeable  layer  and is  under  atmospheric  pressure.   The
     upper  surface  of  the   substrate  that  is wholly  saturated  with
     groundwater.

WATERSHED.  The area drained by a stream.

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WELL LOG.   A chronological record  of  the soil and rock  formations  en-
     countered in  the  operation of  sinking a  well,  with either  their
     thickness or the elevation  of  the top and bottom of each formation
     given.   It  also  usually includes  statements about  the  lithologic
     composition and  water-bearing  characteristics  of each  formation,
     static and pumping water  levels, and well yield.

ZONING.  The regulation by governmental action (invested by the State to
     cities, townships, or counties) of the use of the land,  the height
     of buildings,  and/or the  proportion of the land surface that can be
     covered by structures.
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208

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                        DOCUMENTS CITED IN THIS REPORT

Arthur Beard Engineers, Inc.   1978.   Correspondence regarding:  1) unit prices
     and collector sewer construction costs;  2)  wastewater flow projections
     for Crystal Lake; and 3) "typical" cluster  system, Crystal Lake.  Chevy
     Chase, MD.


Bailey, J.R., R.J. Benoit, J.L. Dodson, J.M.  Robb, and H. Wallman.  1969.  A
     study of flow reduction and treatment of wastewater from households.
     Cincinnati, OH.  US Government Printing Office (GPO).


Calver, J.L.  1947.  The glacial and post-glacial history of the Platte and
     Crystal Lake depressions, Benzie County, Michigan.  Michigan Geological
     Survey Publication 45.  Ph.D. thesis, 1942, Department of Geology,
     University of Michigan, Ann Arbor, MI.

Clean Water Act of 1977.  Public Law 95-217.   (33 U.S.C. 466 et seq.)

Cohen, S., and H. Wallman.  1974.  Demonstration of waste flow reduction from
     households.  Environmental Protection Agency, National Environmental
     Research Center, Cincinnati, OH.

Cooper, I.A., and J.W. Rezek.  1977.  Septage treatment and disposal.  For
     EPA, Technology Transfer.

Crawford, W.A.  1977.  Findings in the proposed Crystal Lake sewer project
     area.  Contract No. C-262844-01.  Grand Traverse-Leelanau-Benzie District
     Health Department, Traverse City, MI.


Dearth, K.H.  1977.  Current costs of conventional approaches.  Presented at
     EPA National Conference on Less Costly Wastewater Treatment  Systems for
     Small Communities, 12-14 April 1977, Reston, VA.


Environmental Photographic Interpretation Center  (EPIC).  1978.  Crystal Lake
     septic tank system analysis.  EPA, Environmental Monitoring and Support
     Laboratory, Cincinnati, OH.

EPA  (United States Environmental Protection Agency).  1975.  Cost-effective
     comparison of land application and advanced wastewater treatment.
     EPA-430/9-75-016.

EPA.  1975.  Report on Betsie Lake, Benzie County, Michigan.  National
     Eutrophication Survey, Working Paper No. 185.

EPA.  1977.  National interim primary drinking water regulations of the Safe
     Drinking Water Act.  40 CRF 141.

EPA.  1977.  Process design manual for land treatment of municipal wastewater.
     EPA-625/1-77-008.  Technology Transfer.
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EPA.  1978.  Construction grants program requirements memorandum 78-9.
     3 March 1978.

EPA.  1978.  Grants for construction of treatment works - Clean Water Act
     (40 CFR 35 Part E):  Rules and regulations.  43 FR 44022, 27 September
     1978.

EPA.  1978.  Construction grants program requirements memorandum 79-3.  15
     November 1978.


Federal Water Pollution Control Act Amendments of 1972, Public Law 92-500.


Gannon, J.J., et al.  1970.  Crystal Lake water quality investigation.
     Contract No. 33304-1-F.  School of Public Health, University of
     Michigan, Ann Arbor, MI.


Huffman,, G.C.  1977.  Groundwater data for Michigan, 1976.  USGS, in
     cooperation with Michigan DNR.


Illinois Environmental Protection Agency.  1977.  Issuance of final Illinois
     guidelines for the preparation of facilities plans for unsewered
     communities.  Memorandum, 16 September 1977.


Jones, R.A., and G.F. Lee.  1977.  Septic tank disposal systems as phosphorus
     sources for surface waters.  EPA-600/3-77-129.  Robert S. Kerr Environmental
     Research Laboratory.


Kerfoot, W.  1978.  Investigation of septic leachate discharges into Crystal
     Lake, Michigan.  K-V Associates, Inc., Falmouth, MA.

Rnutilla, R.L.  1974.  Compilation of miscellaneous streamflow measurements
     in Michigan through September 1970.  Water Information Series Report No. 5.
     USGS, in cooperation with Michigan DNR.  Lansing, MI.


League of Women Voters.  1978.  A background summary of the planning process
     and major issues identified by the League of Women Voters of the Grand
     Traverse Area for the Sleeping Bear Dunes National Lakeshore.  Traverse
     City, MI., 4 p.

Leverett, F., et al.  1907.  Flowing wells and municipal water supplies in the
     middle and northern portions of the southern peninsula of Michigan.  Water
     Supply and Irrigation Paper No. 183; Series 0, Underground Waters, 63.
     USGS, Washington, DC.

Livasy, L.L.  No date.  Documentation for the Crystal Lake area authority for
     treatment works—construction grant application.  Grand Traverse-Leelanau-
     Benzie District Health Department, Traverse City, MI.


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Martin, H.M.  1957.  Outline of the geologic history of the Grand Traverse
     region.  Michigan Geological Survey (brochure), 9 p.

McLaughlin, E.R.  1968.  A recycle system for conservation of water in
     residences.  Water and Sewage Works 115(4):175-176.

Michigan DNR (Department of National Resources).   1973.  National river
     report:  Betsie River, Benzie and Manistee Counties.   Office of
     Planning Services, 10 August 1973 revision.

Michigan DNR.  1977.  Betsie River natural river zoning.  Division of Land
     Resource Programs.

Michigan DNR.  1978.  Michigan's endangered and threatened species program:
     1976-1978.

Michigan DNR.  Variously dated.  Lake and stream management records and
     biological data:  Crystal Lake (unpublished reports).

Michigan DNR.  Variously dated.  Lake and stream management records and
     biological data:  Betsie Lake (unpublished reports).

Michigan DNR.  Variously dated.  Lake and stream management records and
     biological data:  Long Lake (unpublished reports).


National Park Service, Sleeping Bear Dunes National Lakeshore.  1978.  Citizens
     voice concerns and hopes about future of National Lakeshore.  Department
     of the Interior, Frankfort, MI., 14 p.


Omernik, J.M.  1977.  Non-point source stream nutrient level relationships:
     A nationwide survey.  EPA-600/3-77-105.  National Environmental Research
     Laboratory, Corvalis, OR.

Otis, R.J., and D.E. Steward.  1976.  Alternative wastewater facilities for
     small unsewered communities in rural America.  Annual report to the
     Upper Great Lakes Region Commission.


Scalf, M.R., and W.J. Dunlap.  1977.  Environmental effects of septic tanks.
     EPA-600/3-77-096.  Robert S. Kerr Environmental Research Laboratory,
     Ada, OK.

Schroepfer, G.J., and R.C. Polta.  1967.  Travel of nitrogen compounds in
     soils.  Sanitary Engineering Report 166-5.  Sanitary Engineering
     Division, Department of Civil Engineering, University of Minnesota,
     in cooperation with US Public Health Service.

SCS  (Soil Conservation Service).  1972.  Land resource inventory map,
     Benzie County, Michigan.  US Department of Agriculture, National
     Cooperative Soil Survey, in cooperation with Michigan Agricultural
     Experiment Station.
                                     211

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SCS.  1977.  Proposed rule, Prime and unique farmlands:  Important farmland
     inventory.  42 FR 42359, 23 August 1977.

SCS.  1978.  Benzie County soil conservation district map.

Siegrist, R. , M. Witt, and W.C. Boyle.  1976.  Characteristics of rural
     household wastewater.  Journal of the Environmental Engineering Division,
     American Society of Civil Engineers, No. EES, Proceedings Paper 12200:
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Tanis, F.J.  1978.  Final summary report on Crystal Lake water quality study
      (revised).  For the Crystal Lake Property Owners Association.  Ann
     Arbor, MI.

The White House Rural Development Initiatives.  August 1978.  Making water
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Troyan, J.J., and D.P. Norris.  March 1977.  Cost-effectiveness analysis of
     alternatives for small wastewater treatment systems.  For the
     Environmental Protection Agency Technology Transfer, Municipal
     Design Seminar on Small Wastewater Treatment Systems, Seattle, WA.


University of Michigan.  1978.  Sanitary systems for Crystal Lake, Benzie
     County, Michigan:  An on-site survey.  Pelston, MI.

Upper Great Lakes Commission.  1972.  Environmental implications of
     recreation associated development of private land surrounding federal
     recreation areas in the Upper Great Lakes Area - Michigan.  59 p. and
     6 maps.

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     Commerce, Census of Population and Housing, Washington, DC.

US Bureau of the Census.  1970.  General social and economic characteristics.
     Department of Commerce, Washington, DC.

US Bureau of the Census.  1970.  Regional employment by industry:  1940-1970.
     Department of Commerce, Bureau of Economic Analysis, Washington, DC.

US Bureau of the Census.  1970.  Summary data.  Department of Commerce,
     Census of Population and Housing, Washington, DC.

US Bureau of the Census.  1975.  Census of Population - 1970, supplementary
     report.  Department of Commerce, Washington, DC.

USGS  (United States Geological Survey).  1956.  Topographic map, 15 minute
     series, Frankfort, Michigan quadrangle.  Department of the Interior.

USGS.  1970.  The national atlas of the United States.  Department of the
     Interior.
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West Michigan Tourist Association.  1978.  West Michigan carefree days.
     Grand Rapids, MI., 208 p.

Wilbur Smith and Associates.  1974.  Comprehensive development plan, Benzie
     County, Michigan.  For Benzie County Planning Commission.

Williams & Works; McNamee, Porter and Seeley; and Perla Stout Associates.
     1976.  Crystal Lake area facility plan for wastewater collection and
     treatment.  Benzie County, Michigan.  Contract No. C-26-2844-01.
                                                              : 1980 — 654-261 — Vol. I
                                     213

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