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Original filing (PDF)20251008221848NAL0006339601001
LOCAL 445 PENSION FUND
Form 5500
FILING_RECEIVED
PENSION FUND LOCAL 445
Defined-benefit pension plan
Signals · 2
No recordkeeper disclosed8 service providers
Active participants
398
Accounts w/ balance
—
Plan assets (EOY)
$143.2M
Net assets (EOY)
$142.7M
How this plan invests
This plan
441 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
65
Vendor stack
80
Participation health
100
Knocking points off
- 64 bps in Schedule C fees — 537% 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 LOCAL 445 PENSION FUND.
Plan sponsor
Name
LOCAL 445 PENSION FUND
EIN
13-1864489
Address
15 STONE CASTLE ROAD · ROCK TAVERN, NY · 12575
Phone
(845) 564-4076
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
1B · Flat-dollar DB formula
Audit & trust (Schedule H)
Auditor
MSPC CERTIFIED PUBLIC ACCOUNTANTS &
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
8 rowsOther
8| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH | 13-5674085 | — | NONE | $318K | — |
| STACEY BRAUN | 13-2889432 | — | NONE | $223K | — |
| SUMMIT ACTUARIAL SERVICES | 77-0645890 | — | NONE | $89K | — |
| BANK OF NEW YORK MELLON | 13-5160382 | — | NONE | $80K | — |
| BARNES IACCARINO & SHEPHERD LLP | — | ELMSFORD, NY | NONE | $73K | — |
| MSPC | 22-2951202 | — | NONE | $69K | — |
| STONE CASTLE REALTY | 13-2891975 | — | RELATED FUND | $41K | — |
| J.A. MARIANO AGENCY | — | BRIDGETON, NJ | NONE | $19K | — |
Investments
437 direct securities· $140.8M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| iShares-MSCI EAFE Intl-Inst | — | 523,616 | $7.3M | $8.0M | 5.6% | |
| Eb Temp Inv Fd | — | — | $5.6M | $5.6M | 3.9% | |
| Microsoft Corp | — | 8,345 | $2.0M | $3.5M | 2.5% | |
| Amazon.Com Inc | — | 12,939 | $1.5M | $2.8M | 2.0% | |
| Nvidia Corp | — | 19,957 | $539K | $2.7M | 1.9% | |
| U S Treasury Note | — | 2,650,000 | $2.6M | $2.4M | 1.6% | |
| Apple Inc | — | 8,228 | $1.4M | $2.1M | 1.4% | |
| Nvidia Corp | — | 12,250 | $249K | $1.6M | 1.1% | |
| Apple Inc | — | 6,200 | $523K | $1.6M | 1.1% | |
| Meta Platforms Inc | — | 2,546 | $672K | $1.5M | 1.0% | |
| Microsoft Corp | — | 3,300 | $378K | $1.4M | 1.0% | |
| U S Treasury Note | — | 1,450,000 | $1.4M | $1.3M | 0.9% | |
| Alphabet Inc | — | 6,035 | $770K | $1.1M | 0.8% | |
| U S Treasury Note | — | 1,150,000 | $1.1M | $1.1M | 0.8% | |
| Amazon.Com Inc | — | 5,050 | $576K | $1.1M | 0.8% | |
| Broadcom Inc | — | 4,653 | $791K | $1.1M | 0.8% | |
| Alphabet Inc | — | 5,083 | $673K | $968K | 0.7% | |
| JPMorgan Chase & Co | — | 3,846 | $434K | $922K | 0.6% | |
| U S Treasury Note | — | 900,000 | $888K | $896K | 0.6% | |
| PepsiCo Inc | — | 900,000 | $978K | $895K | 0.6% | |
| Tesla Inc | — | 2,189 | $493K | $884K | 0.6% | |
| U S Treasury Note | — | 950,000 | $935K | $884K | 0.6% | |
| Apple Inc | — | 900,000 | $898K | $873K | 0.6% | |
| U S Treasury Note | — | 900,000 | $895K | $862K | 0.6% | |
| U S Treasury Note | — | 850,000 | $845K | $851K | 0.6% | |
| Meta Platforms Inc | — | 1,365 | $431K | $799K | 0.6% | |
| U S Treasury Note | — | 800,000 | $785K | $782K | 0.5% | |
| Arthur J Gallagher & Co | — | 2,703 | $801K | $767K | 0.5% | |
| U S Treasury Note | — | 800,000 | $785K | $763K | 0.5% | |
| Mastercard Inc | — | 1,421 | $481K | $748K | 0.5% | |
| U S Treasury Note | — | 900,000 | $890K | $743K | 0.5% | |
| Apple Inc | — | 750,000 | $772K | $741K | 0.5% | |
| U S Treasury Note | — | 800,000 | $774K | $735K | 0.5% | |
| U S Treasury Note | — | 750,000 | $753K | $732K | 0.5% | |
| Spotify Technology Sa | — | 1,558 | $461K | $697K | 0.5% | |
| U S Treasury Note | — | 750,000 | $747K | $691K | 0.5% | |
| U S Treasury Note | — | 750,000 | $742K | $675K | 0.5% | |
| U S Treasury Note | — | 700,000 | $686K | $670K | 0.5% | |
| U S Treasury Note | — | 750,000 | $739K | $665K | 0.5% | |
| Hershey Co/The | — | 650,000 | $664K | $644K | 0.4% | |
| Eli Lilly & Co | — | 792 | $461K | $611K | 0.4% | |
| U S Treasury Note | — | 650,000 | $646K | $608K | 0.4% | |
| ServiceNow Inc | — | 572 | $257K | $606K | 0.4% | |
| U S Treas-Cpi Inflat | — | 630,080 | $644K | $555K | 0.4% | |
| Oracle Corp | — | 3,317 | $554K | $553K | 0.4% | |
| AutoZone Inc | — | 170 | $189K | $544K | 0.4% | |
| U S Treasury Note | — | 550,000 | $549K | $541K | 0.4% | |
| Alphabet Inc | — | 2,803 | $203K | $531K | 0.4% | |
| Chipotle Mexican Grill Inc | — | 8,755 | $402K | $528K | 0.4% | |
| Intuitive Surgical Inc | — | 1,010 | $295K | $527K | 0.4% | |
| Netflix Inc | — | 575 | $279K | $513K | 0.4% | |
| Broadcom Inc | — | 2,200 | $134K | $510K | 0.4% | |
| O’Reilly Automotive Inc | — | 424 | $371K | $503K | 0.4% | |
| Amphenol Corp | — | 500,000 | $527K | $498K | 0.3% | |
| Nucor Corp | — | 500,000 | $525K | $494K | 0.3% | |
| U S Treasury Note | — | 500,000 | $501K | $494K | 0.3% | |
| U S Treasury Note | — | 500,000 | $492K | $490K | 0.3% | |
| U S Treasury Note | — | 500,000 | $490K | $488K | 0.3% | |
| U S Treasury Note | — | 500,000 | $498K | $484K | 0.3% | |
| U S Treasury Note | — | 500,000 | $500K | $483K | 0.3% | |
| U S Treasury Note | — | 500,000 | $500K | $478K | 0.3% | |
| U S Treasury Note | — | 500,000 | $529K | $477K | 0.3% | |
| Alphabet Inc | — | 2,500 | $181K | $476K | 0.3% | |
| U S Treasury Note | — | 500,000 | $506K | $462K | 0.3% | |
| Caterpillar Financial Services | — | 500,000 | $503K | $459K | 0.3% | |
| Oracle Corp | — | 2,752 | $308K | $459K | 0.3% | |
| Alphabet Inc | — | 2,420 | $196K | $458K | 0.3% | |
| GE Aerospace | — | 2,725 | $412K | $455K | 0.3% | |
| Waste Management Inc | — | 500,000 | $498K | $447K | 0.3% | |
| Walt Disney Co/The | — | 500,000 | $519K | $445K | 0.3% | |
| Eaton Corp Plc | — | 1,332 | $421K | $442K | 0.3% | |
| Qualcomm Inc | — | 500,000 | $529K | $439K | 0.3% | |
| Exxon Mobil Corp | — | 4,050 | $311K | $436K | 0.3% | |
| Trane Technologies Plc | — | 1,150 | $311K | $425K | 0.3% | |
| JPMorgan Chase & Co | — | 1,750 | $201K | $419K | 0.3% | |
| Automatic Data Processing Inc | — | 1,424 | $430K | $417K | 0.3% | |
| Philip Morris International In | — | 3,424 | $335K | $412K | 0.3% | |
| KKR & Co Inc | — | 2,784 | $240K | $412K | 0.3% | |
| Honeywell International Inc | — | 1,819 | $373K | $411K | 0.3% | |
| UnitedHealth Group Inc | — | 798 | $337K | $404K | 0.3% | |
| U S Treasury Note | — | 400,000 | $400K | $402K | 0.3% | |
| National Rural Utilities Coope | — | 400,000 | $399K | $401K | 0.3% | |
| T-Mobile USA Inc | — | 400,000 | $395K | $397K | 0.3% | |
| Wells Fargo & Co | — | 5,641 | $242K | $396K | 0.3% | |
| U S Treasury Note | — | 400,000 | $400K | $392K | 0.3% | |
| Mastercard Inc | — | 725 | $203K | $382K | 0.3% | |
| Intuit Inc | — | 604 | $386K | $380K | 0.3% | |
| AbbVie Inc | — | 2,135 | $359K | $379K | 0.3% | |
| Walt Disney Co/The | — | 3,401 | $371K | $379K | 0.3% | |
| Bristol-Myers Squibb Co | — | 6,646 | $393K | $376K | 0.3% | |
| Fiserv Inc | — | 1,794 | $365K | $369K | 0.3% | |
| ServiceNow Inc | — | 340 | $158K | $360K | 0.3% | |
| Evercore Inc | — | 1,300 | $242K | $360K | 0.3% | |
| Costco Wholesale Corp | — | 390 | $159K | $357K | 0.2% | |
| Texas Instruments Inc | — | 1,902 | $379K | $357K | 0.2% | |
| LPL Financial Holdings Inc | — | 1,090 | $277K | $356K | 0.2% | |
| Lam Research Corp | — | 4,913 | $289K | $355K | 0.2% | |
| Workday Inc | — | 1,369 | $293K | $353K | 0.2% | |
| U S Treasury Note | — | 350,000 | $350K | $353K | 0.2% | |
| Cisco Systems Inc | — | 5,962 | $288K | $353K | 0.2% | |
| Eli Lilly & Co | — | 455 | $132K | $351K | 0.2% | |
| Ecolab Inc | — | 1,499 | $370K | $351K | 0.2% | |
| Howmet Aerospace Inc | — | 3,200 | $117K | $350K | 0.2% | |
| Stryker Corp | — | 972 | $332K | $350K | 0.2% | |
| U S Treasury Note | — | 350,000 | $346K | $349K | 0.2% | |
| Sysco Corp | — | 4,526 | $349K | $346K | 0.2% | |
| U S Treasury Note | — | 350,000 | $331K | $345K | 0.2% | |
| Emerson Electric Co | — | 2,777 | $301K | $344K | 0.2% | |
| American International Group I | — | 4,727 | $269K | $344K | 0.2% | |
| Synopsys Inc | — | 706 | $304K | $343K | 0.2% | |
| T-Mobile Us Inc | — | 1,550 | $221K | $342K | 0.2% | |
| Welltower Inc | — | 2,700 | $267K | $340K | 0.2% | |
| Berkshire Hathaway Inc | — | 750 | $196K | $340K | 0.2% | |
| TJX Cos Inc/The | — | 2,800 | $272K | $338K | 0.2% | |
| Thermo Fisher Scientific Inc | — | 650 | $331K | $338K | 0.2% | |
| Arista Networks Inc | — | 3,000 | $105K | $332K | 0.2% | |
| AbbVie Inc | — | 1,849 | $274K | $329K | 0.2% | |
| Discover Financial Services | — | 1,896 | $258K | $328K | 0.2% | |
| Reinsurance Group Of America I | — | 1,533 | $205K | $327K | 0.2% | |
| Liberty Media Corp-Liberty For | — | 3,500 | $251K | $324K | 0.2% | |
| UnitedHealth Group Inc | — | 637 | $365K | $322K | 0.2% | |
| CRH Plc | — | 3,473 | $171K | $321K | 0.2% | |
| Targa Resources Corp | — | 1,800 | $295K | $321K | 0.2% | |
| Marvell Technology Inc | — | 2,900 | $218K | $320K | 0.2% | |
| American Express Co | — | 1,079 | $179K | $320K | 0.2% | |
| Entergy Corp | — | 4,200 | $219K | $318K | 0.2% | |
| Applovin Corp | — | 975 | $55K | $316K | 0.2% | |
| Cencora Inc | — | 1,395 | $192K | $313K | 0.2% | |
| Fidelity National Information | — | 3,845 | $277K | $311K | 0.2% | |
| U S Treasury Note | — | 350,000 | $349K | $310K | 0.2% | |
| Blackrock Inc | — | 300 | $187K | $308K | 0.2% | |
| WEC Energy Group Inc | — | 3,250 | $269K | $306K | 0.2% | |
| Amgen Inc | — | 300,000 | $314K | $303K | 0.2% | |
| Meta Platforms Inc | — | 300,000 | $303K | $303K | 0.2% | |
| Marriott International Inc/Md | — | 300,000 | $307K | $302K | 0.2% | |
| U S Treasury Note | — | 315,000 | $295K | $302K | 0.2% | |
| Nasdaq Inc | — | 3,900 | $212K | $302K | 0.2% | |
| Cisco Systems Inc | — | 300,000 | $302K | $301K | 0.2% | |
| Eli Lilly & Co | — | 300,000 | $305K | $301K | 0.2% | |
| U S Treasury Note | — | 300,000 | $299K | $301K | 0.2% | |
| Hilton Worldwide Holdings Inc | — | 1,214 | $157K | $300K | 0.2% | |
| Tractor Supply Co | — | 300,000 | $313K | $300K | 0.2% | |
| AbbVie Inc | — | 300,000 | $313K | $300K | 0.2% | |
| U S Treasury Note | — | 300,000 | $299K | $300K | 0.2% | |
| McKesson Corp | — | 300,000 | $303K | $298K | 0.2% | |
| Amazon.Com Inc | — | 300,000 | $300K | $298K | 0.2% | |
| Diamondback Energy Inc | — | 1,817 | $328K | $298K | 0.2% | |
| AutoZone Inc | — | 300,000 | $295K | $297K | 0.2% | |
| John Deere Capital Corp | — | 300,000 | $292K | $297K | 0.2% | |
| Vulcan Materials Co | — | 1,155 | $309K | $297K | 0.2% | |
| U S Treasury Note | — | 300,000 | $295K | $297K | 0.2% | |
| Parker-Hannifin Corp | — | 300,000 | $293K | $297K | 0.2% | |
| American Express Co | — | 1,000 | $177K | $297K | 0.2% | |
| U S Treasury Note | — | 300,000 | $297K | $295K | 0.2% | |
| Wells Fargo & Co | — | 4,200 | $224K | $295K | 0.2% | |
| McKesson Corp | — | 515 | $148K | $294K | 0.2% | |
| U S Treasury Note | — | 300,000 | $299K | $293K | 0.2% | |
| Morgan Stanley | — | 300,000 | $299K | $293K | 0.2% | |
| U S Treasury Note | — | 300,000 | $300K | $292K | 0.2% | |
| O’Reilly Automotive Inc | — | 300,000 | $304K | $290K | 0.2% | |
| Boston Scientific Corp | — | 3,228 | $168K | $288K | 0.2% | |
| US Foods Holding Corp | — | 4,244 | $165K | $286K | 0.2% | |
| Bank Of America Corp | — | 6,500 | $201K | $286K | 0.2% | |
| 3M Co | — | 2,208 | $199K | $285K | 0.2% | |
| Vertiv Holdings Co | — | 2,500 | $93K | $284K | 0.2% | |
| Morgan Stanley | — | 2,255 | $194K | $283K | 0.2% | |
| Trade Desk Inc/The | — | 2,400 | $171K | $282K | 0.2% | |
| NextEra Energy Inc | — | 3,926 | $249K | $281K | 0.2% | |
| Howmet Aerospace Inc | — | 2,571 | $303K | $281K | 0.2% | |
| Cintas Corp No 2 | — | 300,000 | $295K | $281K | 0.2% | |
| Travelers Cos Inc/The | — | 1,165 | $211K | $281K | 0.2% | |
| Bellring Brands Inc | — | 3,700 | $225K | $279K | 0.2% | |
| Huntington Bancshares Inc/Oh | — | 16,865 | $222K | $274K | 0.2% | |
| Norfolk Southern Corp | — | 1,156 | $298K | $271K | 0.2% | |
| Micron Technology Inc | — | 3,197 | $239K | $269K | 0.2% | |
| Wells Fargo & Co | — | 3,769 | $169K | $265K | 0.2% | |
| Johnson Controls International | — | 3,350 | $180K | $264K | 0.2% | |
| ConocoPhillips | — | 2,662 | $216K | $264K | 0.2% | |
| Alnylam Pharmaceuticals Inc | — | 1,121 | $322K | $264K | 0.2% | |
| Mid-America Apartment Community | — | 1,704 | $247K | $263K | 0.2% | |
| Post Holdings Inc | — | 2,300 | $260K | $263K | 0.2% | |
| U S Treasury Bond | — | 250,000 | $316K | $262K | 0.2% | |
| McDonald’s Corp | — | 901 | $252K | $261K | 0.2% | |
| Shopify Inc | — | 2,431 | $157K | $258K | 0.2% | |
| Schlumberger Ltd | — | 6,724 | $232K | $258K | 0.2% | |
| Manhattan Associates Inc | — | 950 | $162K | $257K | 0.2% | |
| Lam Research Corp | — | 3,550 | $135K | $256K | 0.2% | |
| Corpay Inc | — | 756 | $196K | $256K | 0.2% | |
| Texas Roadhouse Inc | — | 1,400 | $134K | $253K | 0.2% | |
| Life Time Group Holdings Inc | — | 11,400 | $226K | $252K | 0.2% | |
| 3M Co | — | 1,950 | $233K | $252K | 0.2% | |
| Alphabet Inc | — | 1,329 | $158K | $252K | 0.2% | |
| CSX Corp | — | 7,781 | $246K | $251K | 0.2% | |
| Robert Half Inc | — | 3,555 | $273K | $250K | 0.2% | |
| Travelers Cos Inc/The | — | 1,036 | $240K | $250K | 0.2% | |
| Aon Plc | — | 692 | $216K | $249K | 0.2% | |
| Clorox Co/The | — | 1,524 | $210K | $248K | 0.2% | |
| Flex Ltd | — | 6,444 | $185K | $247K | 0.2% | |
| U S Treas-Cpi Inflat | — | 284,678 | $285K | $247K | 0.2% | |
| Lowe's Cos Inc | — | 250,000 | $263K | $244K | 0.2% |
Showing top 200 of 437 investments by value.