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Original filing (PDF)20250513122628NAL0013368211001
UNION BANK
Form 5500
FILING_RECEIVED
UNION BANK 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
188
Accounts w/ balance
275
Plan assets (EOY)
$32.1M
Net assets (EOY)
$32.1M
How this plan invests
This plan
13 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (18 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UNION BANK.
Plan sponsor
Name
UNION BANK
EIN
03-0286322
Address
PO BOX 667 · MORRISVILLE, VT · 05661
Phone
(802) 888-6600
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Name
UNION BANK
EIN
03-0286322
City
MORRISVILLE, VT
Phone
(802) 888-6600
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-05-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CARON & BLETZER, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WORLD INVESTMENT ADVISORS, LLC | 61-1758632 | — | INVESTMENT ADVISORY | $19K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $36K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FUTURE PLANNING ASSOCIATES, INC | 03-0271340 | — | OTHER SERVICES | $3K | — |
Investments
18 direct securities · 13 pooled funds· $30.0M(94% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$24.1M
13 holdings
Uncategorized
$5.9M
18 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $5.7M | 17.8% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $4.7M | 14.6% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $4.3M | 13.5% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $3.1M | 9.8% | |
| Vanguard 500 Index Admiral Fund " | — | — | — | $3.1M | 9.5% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $2.1M | 6.4% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $1.5M | 4.6% | |
| American Funds New Perspective R6 Fund " | — | — | — | $1.2M | 3.7% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $1.0M | 3.2% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $719K | 2.2% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $627K | 2.0% | |
| Vanguard Mid Cap Index Admiral Fund " | — | — | — | $358K | 1.1% | |
| PIMCO Income Institutional Fund " | — | — | — | $314K | 1.0% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $209K | 0.7% | |
| Vanguard Small Cap Index Admiral Fund " | — | — | — | $195K | 0.6% | |
| MFS Growth R6 Fund " | — | — | — | $139K | 0.4% | |
| PIMCO High Yield Fund " | — | — | — | $131K | 0.4% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $129K | 0.4% | |
| American Funds American Balanced R6 Fund " | — | — | — | $120K | 0.4% | |
| MFS Value R6 Fund " | — | — | — | $93K | 0.3% | |
| MFS Mid Cap Growth R6 Fund " | — | — | — | $92K | 0.3% | |
| MFS Mid Cap Value R6 Fund " | — | — | — | $50K | 0.2% | |
| American Funds New World R6 Fund " | — | — | — | $49K | 0.2% | |
| Vanguard Total International Stock Index Admiral Fund " | — | — | — | $46K | 0.1% | |
| AB Bond Inflation Strategy Z Fund Mutual fund | — | — | — | $34K | 0.1% | |
| American Funds EuroPacific Growth R6 Fund " | — | — | — | $34K | 0.1% | |
| Dodge & Cox Income X Fund " | — | — | — | $32K | 0.1% | |
| PRIN LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $16K | <0.1% | |
| PRIN LIFETIME HYBR 2070 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $6K | <0.1% | |
| PIMCO Global Bond (USD-Hedged) I Fund " | — | — | — | $5K | <0.1% | |
| Vanguard International Value Fund Investor Shares " | — | — | — | $4K | <0.1% |
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