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Original filing (PDF)20260113102752NAL0016409795001
BOARD OF TRUSTEES LOCAL 318 HEALTH & WELFARE TRUST FUND
Form 5500
FILING_RECEIVED
USW LOCAL 318 HEALTH & WELFARE TRUST FUND
Health & welfare plan
Signals · 2
~832 bps in Sched C feesNo recordkeeper disclosed
Active participants
237
Accounts w/ balance
—
Plan assets (EOY)
$757K
Net assets (EOY)
$680K
How this plan invests
This plan
15 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
- 832 bps in Schedule C fees — 427% above peer band of 158 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES LOCAL 318 HEALTH & WELFARE TRUST FUND.
Plan sponsor
Name
BOARD OF TRUSTEES LOCAL 318 HEALTH & WELFARE TRUST FUND
EIN
13-5661101
Address
136 MISSION WAY · BARNEGAT, NJ · 08005
Phone
(908) 917-4000
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-04-01
Tax period
2025-03-31
Filed
2026-01-13
Welfare benefit codes
4D · Dental
Audit & trust (Schedule H)
Auditor
MSPC CERTIFIED PUBLIC ACCOUNTANTS &
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAccountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MSPC CERTIFIED PUBLIC ACCOUNTANTS | 22-2951202 | CRANFORD, NJ | ACCOUNTANT | $20K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ORANSKY, SCARAGGI & BORG, P.C. | 22-3522685 | WEST CALDWELL, NJ | LEGAL | $12K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BUNKER HILL INSURANCE & CONSULTING | 90-0781224 | BARNEGAT, NJ | ADMINISTRATOR | $19K | — |
| MERRILL LYNCH, PIERCE, FENNER & SMI | 13-5674085 | PENNINGTON, NJ | NONE | $12K | — |
Investments
15 direct securities· $742K(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Invesco S&P 500 Equal Weight | — | 793 | $83K | $137K | 18.1% | |
| Vanguard Growth | — | 298 | $42K | $111K | 14.6% | |
| Proshares S&P 500 Dividend Aristocrats | — | 946 | $74K | $97K | 12.8% | |
| Cohen & Steers Ltd Duration Pfd & Income Fund Inc | — | 2,600 | $44K | $53K | 7.0% | |
| SPDR Blackstone Senior Loan | — | 1,070 | $44K | $44K | 5.8% | |
| Vanguard Long-Term Corp Bond | — | 556 | $43K | $42K | 5.6% | |
| iShares 20+ Year Treasury Bond | — | 460 | $43K | $42K | 5.5% | |
| Morgan Stanley Emerging Markets | — | 8,603 | $43K | $40K | 5.3% | |
| iShares S&P Small Cap 600 Value | — | 386 | $32K | $38K | 5.0% | |
| iShares Core S&P Small Cap | — | 341 | $37K | $36K | 4.7% | |
| Nuveen S&P 500 Buy-Write Income Fund | — | 2,500 | $28K | $33K | 4.3% | |
| Cohen And Steers Quality Income Realty Fund Inc | — | 1,825 | $30K | $23K | 3.0% | |
| Invesco Wtr Resources | — | 340 | $20K | $22K | 2.9% | |
| ML Bank Deposit Program | — | — | $19K | $19K | 2.5% | |
| iShares Iboxx Investment Grade Corp Bond | — | 58 | $7K | $6K | 0.8% |