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Original filing (PDF)20251010132908NAL0007785969002
PLUMBERS & STEAMFITTERS LOCAL 21
Form 5500
FILING_RECEIVED
PLUMBERS & STEAMFITTERS LOCAL 21 ANNUITY PLAN
Defined-contribution retirement plan
Signals · 2
39% in single holding9 service providers
Active participants
1,673
Accounts w/ balance
695
Plan assets (EOY)
$183.0M
Net assets (EOY)
$182.3M
How this plan invests
This plan
20 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
81
Total plan cost
80
Vendor stack
100
Participation health
65
Knocking points off
- Top holding "SAGIC Diversified Bond II" is 39% of plan.
- 14 bps in Schedule C fees — modestly above peer band of 10 bps.
- Only 42% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PLUMBERS & STEAMFITTERS LOCAL 21.
Plan sponsor
Name
PLUMBERS & STEAMFITTERS LOCAL 21
EIN
13-6320256
Address
1024 MCKINLEY STREET · PEEKSKILL, NY · 105665604
Phone
(914) 737-2166
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
2025-10-10
Pension benefit codes
2E · Profit-sharing
2H · Partial participant-directed accounts
Audit & trust (Schedule H)
Auditor
MSPC CERTIFIED PUBLIC ACCOUNTANTS &
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER LIFE & ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $112K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MASSACHUSETTS MUTUAL LIFE INSURANCE | 04-1590850 | — | CONTRACT ADMINISTRATOR | $38K | — |
Other
7| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| REYNOLDS CONSULTING SERVICES LLC | 11-2558102 | — | SERVICE PROVIDER | $36K | — |
| MSPC | 22-2951202 | — | SERVICE PROVIDER | $29K | — |
| THE SEGAL COMPANY | 13-1835864 | — | SERVICE PROVIDER | $15K | — |
| BARNES, IACCARINO & SHEPHERD LLP | 13-4212610 | — | SERVICE PROVIDER | $11K | — |
| LARRY MAGARIK, ESQ | — | NEW YORK, NY | SERVICE PROVIDER | $7K | — |
| DMI BOOKKEEPING & ACCOUNTING | 20-2400574 | — | SERVICE PROVIDER | $6K | — |
| 1024 MCKINLEY ST LLC | — | PEEKSKILL, NY | RELATED PARTY | $6K | — |
Investments
20 direct securities· $182.1M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SAGIC Diversified Bond II | — | — | — | $70.8M | 38.7% | |
| MassMutual Select TRP Retirement 2010 I | — | — | — | $31.6M | 17.3% | |
| Harbor Capital Appreciation Instl | — | — | — | $15.3M | 8.4% | |
| Vanguard 500 Index Admiral | — | — | — | $9.6M | 5.2% | |
| MassMutual Select TRP Retirement 2030 I | — | — | — | $9.2M | 5.0% | |
| Macquarie SMID Cap Core R6 | — | — | — | $6.9M | 3.7% | |
| Putnam Large Cap Value R6 | — | — | — | $5.4M | 3.0% | |
| MassMutual Select TRP Retirement 2060 I | — | — | — | $5.4M | 2.9% | |
| MassMutual Select TRP Retirement 2040 I | — | — | — | $4.4M | 2.4% | |
| Hartford Schroders US Mid Cap Opps SDR | — | — | — | $4.0M | 2.2% | |
| MassMutual Select TRP Retirement 2050 I | — | — | — | $3.8M | 2.1% | |
| MassMutual Select TRP Retirement 2020 I | — | — | — | $2.9M | 1.6% | |
| American Funds EuroPacific Gr R6 ** $ | — | — | — | $2.3M | 1.3% | |
| American Funds Fundamental Investors R6 | — | — | — | $2.2M | 1.2% | |
| Notes Receivable from Participants' Interest Rates of 4.25% to 9.50% | — | — | — | $2.1M | 1.1% | |
| Vanguard Small Cap Index Adm | — | — | — | $2.0M | 1.1% | |
| MassMutual Core Bond I | — | — | — | $1.9M | 1.0% | |
| PIMCO Total Return Instl | — | — | — | $1.6M | 0.9% | |
| iShares Russell Mid-Cap Index K | — | — | — | $733K | 0.4% | |
| Empower Holding Account | — | — | — | $49K | <0.1% |