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Original filing (PDF)20251015113749NAL0009366290001
UNION SAVINGS BANK
Form 5500
FILING_RECEIVED
UNION SAVINGS BANK RETIREMENT PLAN
Defined-benefit pension plan
Signals · 3
40% in single holdingNo recordkeeper disclosed6 service providers
Active participants
318
Accounts w/ balance
—
Plan assets (EOY)
$114.6M
Net assets (EOY)
$114.6M
How this plan invests
This plan
1 pooled trust
Schedule D
14 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 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
80
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Vanguard Vanguard Institutional Index" is 40% of plan.
- 40 bps in Schedule C fees — 301% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UNION SAVINGS BANK.
Plan sponsor
Name
UNION SAVINGS BANK
EIN
06-0570800
Address
P. O. BOX 647 · 226 MAIN STREET · DANBURY, CT · 068130647
Phone
(203) 730-5001
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
007
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
1A · Pay-related DB formula
Audit & trust (Schedule H)
Auditor
WOLF AND COMPANY P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsOther
6| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | 06-1050034 | — | NONE | $175K | — |
| SUN LIFE INVESTMENT MANAGEMENT US | — | — | NONE | $104K | — |
| PENSION BENEFIT GUARANTY CORPORATIO | — | — | NONE | $60K | — |
| BANK OF AMERICA N.A. | — | — | NONE | $54K | — |
| FIDUCIENT ADVISORS LLC | — | — | NONE | $49K | — |
| WOLF & COMPANY | — | — | NONE | $17K | — |
Investments
13 direct securities · 1 pooled fund· $49.6M(43% 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.
Uncategorized
$49.1M
13 holdings
Pooled Separate Account
$577K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Institutional Index | — | — | $9.1M | $20.0M | 17.5% | |
| Dodge & Cox Dodge & Cox International | — | — | $5.1M | $6.5M | 5.6% | |
| MFS Instl International Equity | — | — | $4.4M | $6.4M | 5.6% | |
| Diamond Hill Funds Diamond Hill Small-Mid Cap Y | — | — | $2.6M | $3.3M | 2.9% | |
| Eaton Vance Eaton Vance Atlanta Cpt SMID | — | — | $2.3M | $3.2M | 2.8% | |
| Hartford Mutual Funds Hartford Schrod Emerg Mkts Equity Inv | — | — | $2.6M | $2.8M | 2.4% | |
| Principal Diversified Real Asset | — | — | $1.7M | $1.7M | 1.5% | |
| Cohen & Steers Cohen & Steers Instl Gbl Rlty | — | — | $1.7M | $1.7M | 1.5% | |
| UNITED STATES OF AMERICA TREASURY STRIPS At 912834XW3 Maturity 0 8/15/54 | — | — | $1.5M | $1.3M | 1.1% | |
| UNITED STATES OF AMERICA TREASURY STRIPS At 912834XG8 Maturity 0 8/15/51 | — | — | $1.1M | $743K | 0.6% | |
| PRUDENTIAL SHORT-TERM PRUDENTIAL RETIREMENT INS · EIN 06-1050034 / PN 041 | Pooled Separate Account | — | $576K | $577K | 0.5% | |
| UNITED STATES OF AMERICA TREASURY STRIPS At 912834VV7 Maturity 0 5/15/50 | — | — | $576K | $522K | 0.5% | |
| As of: 31-DEC-2024 Account : Union Savings Bank Base Currency : USD Security ID Description of Investment Quantity Cost Current Value UNITED STATES OF AMERICA TREASURY STRIPS At 912834UY2 Maturity 0 8/15/49 | — | — | $1.1M | $506K | 0.4% | |
| UNITED STATES OF AMERICA TREASURY STRIPS At 912834WC8 Maturity 0 8/15/50 | — | — | $497K | $419K | 0.4% |