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Original filing (PDF)20250925131715NAL0007665841001
BOARD TRUSTEES WORC PLUMBERS & PIPEFITTERS LOCAL UNION 4 ANNUITY FUND
Form 5500
FILING_RECEIVED
WORCESTER PLUMBERS AND PIPEFITTERS LOCAL UNION #4 ANNUITY PLAN
Defined-contribution retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
311
Accounts w/ balance
339
Plan assets (EOY)
$57.7M
Net assets (EOY)
$57.7M
Plan health score (directional)
88
/ 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
75
Total plan cost
80
Vendor stack
80
Participation health
100
Knocking points off
- 23 bps in Schedule C fees — modestly above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD TRUSTEES WORC PLUMBERS & PIPEFITTERS LOCAL UNION 4 ANNUITY FUND.
Plan sponsor
Name
BOARD TRUSTEES WORC PLUMBERS & PIPEFITTERS LOCAL UNION 4 ANNUITY FUND
EIN
04-6069434
Address
PO BOX 5817 · 8 FAIRFIELD BLVD, SUITE 105 · WALLINGFORD, CT · 06492
Phone
(508) 799-7703
Industry
Plumbing, Heating, AC Contractors· Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-25
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
NOVAK FRANCELLA, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO OF AME | 20-3691708 | GREENWOOD VILLAGE, CO | NONE | $60K | — |
| MORGAN STANLEY | — | JERICO, NY | NONE | $25K | — |
| ZENITH AMERICAN SOLUTIONS | 52-1590516 | WALLINGFORD, CT | NONE | $25K | — |
| NOVAK FRANCELLA, LLC | 61-1436956 | — | NONE | $13K | — |
| ROBERT M. CHEVERIE & ASSOCIATES | 06-1335139 | — | NONE | $12K | — |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.
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