Back to filter
Original filing (PDF)20251010124041NAL0004246819001
UNION COLLEGE
Form 5500
FILING_RECEIVED
UNION COLLEGE RETIREMENT PLAN
403(b) retirement plan
Active participants
942
Accounts w/ balance
2,094
Plan assets (EOY)
$407.4M
Net assets (EOY)
$407.4M
How this plan invests
This plan
1 pooled trust
Schedule D
75 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (2 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UNION COLLEGE.
Plan sponsor
Name
UNION COLLEGE
EIN
14-1338580
Address
807 UNION STREET · SCHENECTADY, NY · 12308
Phone
(518) 388-6108
Industry
Educational Servicessee all
Plan administrator
Name
UNION COLLEGE
EIN
14-1338580
City
SCHENECTADY, NY
Phone
(518) 388-6108
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
Audit & trust (Schedule H)
Auditor
BONADIO & CO., LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVEST. INSTIT OPER CO INC | 04-2647786 | — | RECORDKEEPER | $67K | — |
Investments
74 direct securities · 1 pooled fund· $407.4M(100% 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
$396.6M
74 holdings
Pooled Separate Account
$10.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TIAA Traditional Annuity Non-benefit responsive contract | — | — | — | $85.0M | 20.9% | |
| CREF Stock 57,610 shares | — | — | $58K | $52.5M | 12.9% | |
| Fidelity Spartan Total Market Index Fund - Investor Class 160,606 shares | — | — | $161K | $25.9M | 6.4% | |
| CREF Growth 37,152 shares | — | — | $37K | $19.5M | 4.8% | |
| TIAA Traditional Annuity Fully benefit responsive contract | — | — | — | $14.6M | 3.6% | |
| Nuveen Equity Index 347447 shares | — | — | — | $14.3M | 3.5% | |
| Nuveen International Equity Index 579,653 shares | — | — | $580K | $12.8M | 3.1% | |
| Nuveen Large Cap Value Index 465,220 shares | — | — | $465K | $11.9M | 2.9% | |
| CREF Social Choice 31,708 shares | — | — | $32K | $11.7M | 2.9% | |
| TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004 | Pooled Separate Account | — | $23K | $10.8M | 2.7% | |
| CREF Equity Index 19,750 shares | — | — | $20K | $10.2M | 2.5% | |
| Nuveen Lifecycle 2040-Inst 344,243 shares | — | — | $344K | $10.1M | 2.5% | |
| Vngrd Mid Capitalization Indx 25,867 shares | — | — | $26K | $8.5M | 2.1% | |
| Fidelity Freedom Indx 2040 Ipr 267,981 shares | — | — | $268K | $6.6M | 1.6% | |
| Fidelity Freedom Indx 2030 Ipr 320,264 shares | — | — | $320K | $6.5M | 1.6% | |
| Nuveen Lifecycle 2035-Inst 237,972 shares | — | — | $238K | $6.4M | 1.6% | |
| Nuveen Lifecycle 2050-Inst 194,235 shares | — | — | $194K | $6.1M | 1.5% | |
| Vanguard Short-Trm Bd Idx Adm 580,177 shares | — | — | $580K | $5.9M | 1.4% | |
| Nuveen Lifecycle 2045-Inst 189,940 shares | — | — | $190K | $5.9M | 1.4% | |
| CREF Global Equities 16,199 shares | — | — | $16K | $5.6M | 1.4% | |
| Nuveen Sm-Cap Bl Idx-Inst 218,612 shares | — | — | $219K | $5.2M | 1.3% | |
| Fidelity Freedom Indx 2035 Ipr 200,330 shares | — | — | $200K | $4.7M | 1.1% | |
| CREF Inflation-Linked Bond 54,215 shares | — | — | $54K | $4.6M | 1.1% | |
| Nuveen Emrg Mkt Eq Idx-Inst 409,008 shares | — | — | $409K | $4.4M | 1.1% | |
| Nuveen Lifecycle 2020-Inst 215,235 shares | — | — | $215K | $4.1M | 1.0% | |
| Nuveen Lifecycle 2030-Inst 163,148 shares | — | — | $163K | $3.9M | 1.0% | |
| Nuveen Lifecycle 2025-Inst 183,017 shares | — | — | $183K | $3.9M | 1.0% | |
| Fidelity Spartan Extended Market Index Fund - Investor Class 42,741 shares | — | — | $43K | $3.9M | 1.0% | |
| Nuveen Bond index- Inst 342,570 shares | — | — | $343K | $3.3M | 0.8% | |
| Fidelity Freedom Indx 2025 Ipr 143,197 shares | — | — | $143K | $2.7M | 0.7% | |
| Vanguard Real Estate Idx Adm 20,911 shares | — | — | $21K | $2.6M | 0.6% | |
| Fidelity Government Money Market 2,564,541 shares | — | — | $2.6M | $2.6M | 0.6% | |
| Nuveen Lifecycle 2055-Inst 98,188 shares | — | — | $98K | $2.5M | 0.6% | |
| Fidelity Spartan Small Cap Index Fund - Advantage Class 87,247 shares | — | — | $87K | $2.4M | 0.6% | |
| Fidelity Spartan International Index Fund 49,341 shares | — | — | $49K | $2.3M | 0.6% | |
| Fidelity Freedom Indx 2050 Ipr 89,331 shares | — | — | $89K | $2.3M | 0.6% | |
| Fidelity Freedom Indx 2045 Ipr 88,603 shares | — | — | $89K | $2.3M | 0.6% | |
| CREF Money Market 57,745 shares | — | — | $58K | $1.8M | 0.5% | |
| Vanguard Long Trm Bd Idx Adm 172,926 shares | — | — | $173K | $1.8M | 0.4% | |
| CREF Bond Market 12,762 shares | — | — | $13K | $1.7M | 0.4% | |
| Fidelity Spartan U.S. Bond Index Fund - Advantage Class 153,991 shares | — | — | $154K | $1.6M | 0.4% | |
| Brokeragelink-Fidelity Fund 1,438,758 shares | — | — | $1.4M | $1.4M | 0.4% | |
| Vanguard Treasury MoneyMkt Inv 1,418,897 shares | — | — | $1.4M | $1.4M | 0.3% | |
| Fidelity Freedom Indx 2020 Ipr 70,241 shares | — | — | $70K | $1.1M | 0.3% | |
| Fidelity Inflation-Protected Bond Fund 118,171 shares | — | — | $118K | $1.1M | 0.3% | |
| TIAA-CREF Lifecycle 2060-Rtmt 39,304 shares | — | — | $39K | $778K | 0.2% | |
| 9.5%, various maturity dates - | — | — | — | $776K | 0.2% | |
| Brokeragelink-External Fund 762,467 shares | — | — | $762K | $762K | 0.2% | |
| Fidelity Spartan Emerging Markets Index Fund - Advantage 57,586 shares | — | — | $58K | $602K | 0.1% | |
| Fidelity Freedom Indx 2055 Ipr 26,906 shares | — | — | $27K | $575K | 0.1% | |
| Fidelity Freedom Indx Income 34,571 shares | — | — | $35K | $404K | <0.1% | |
| Fidelity Freedom Indx 2060 Ipr 19,835 shares | — | — | $20K | $359K | <0.1% | |
| Plan Loan Default Fund Fully benefit responsive contract | — | — | — | $338K | <0.1% | |
| Nuveen Lifecycle 2015-Inst 19,438 shares | — | — | $19K | $330K | <0.1% | |
| Fidelity Spartan Real Estate Index Fund - Advantage Class 18,917 shares | — | — | $19K | $305K | <0.1% | |
| Nuveen Lifecycle 2010-Inst 16,075 shares | — | — | $16K | $262K | <0.1% | |
| Fidelity Short Term Bd Index Fund 23,872 shares | — | — | $24K | $242K | <0.1% | |
| Fidelity Spartan Intermediate Treasury Bond Index Fund 24,345 shares | — | — | $24K | $230K | <0.1% | |
| Fidelity Freedom Indx 2055 Inv 10,073 shares | — | — | $10K | $215K | <0.1% | |
| Nuveen Lfcycle Inx Rtln-Inst 11,787 shares | — | — | $12K | $188K | <0.1% | |
| Omitted - Participant * Brokeragelink-Cash Interest bearing cash directed | — | — | — | $147K | <0.1% | |
| Fidelity Freedom Indx 2015 Ipr 9,429 shares | — | — | $9K | $134K | <0.1% | |
| Nuveen Lifecycle 2065-Rtmt 7,769 shares | — | — | $8K | $110K | <0.1% | |
| Fidelity Spartan Long Term Treasury Bd Index Fund 11,678 shares | — | — | $12K | $107K | <0.1% | |
| Fidelity Freedom Indx 2010 Ipr 7,945 shares | — | — | $8K | $96K | <0.1% | |
| Fidelity Freedom Indx 2065 Ipr 5,289 shares | — | — | $5K | $77K | <0.1% | |
| Fidelity Freedom Indx 2040 Inv 2,376 shares | — | — | $2K | $59K | <0.1% | |
| Fidelity Freedom Indx 2035 Inv 1,193 shares | — | — | $1K | $28K | <0.1% | |
| Fidelity Freesom Indx 2050 Inv 763 shares | — | — | — | $20K | <0.1% | |
| Fidelity Freedom Indx 2060 Inv 1,092 shares | — | — | $1K | $20K | <0.1% | |
| Nuveen Intl Eq Idx-Prem 882 shares | — | — | — | $19K | <0.1% | |
| Fidelity Freedom Indx 2030 Inv 711 shares | — | — | — | $14K | <0.1% | |
| Nuveen Emrg Mkt Eq Idx-Prem 988 shares | — | — | — | $11K | <0.1% | |
| Fidelity Freedom Indx 2045 Inv 258 shares | — | — | — | $7K | <0.1% | |
| Nuveen Equity Index-Prem 104 shares | — | — | — | $4K | <0.1% |
Related plans
Other plans using FIDELITY INVEST. INSTIT OPER CO INC
BRISTOL-MYERS SQUIBB COMPANY
BRISTOL-MYERS SQUIBB SAVINGS PLANS MASTER TRUST
$11.7B
MMS USA HOLDINGS, INC.
PUBLICIS BENEFITS CONNECTION 401K PLAN
$5.2B · 29,615 participants
CONSUMERS ENERGY COMPANY
PENSION PLAN A FOR EMPLOYEES OF CONSUMER ENERGY COMPANY
$1.9B · 1,755 participants
CONSUMERS ENERGY COMPANY
PENSION PLAN B FOR EMPLOYEES OF CONSUMERS ENERGY COMPANY
$1.4B · 302 participants
MOLSON COORS BEVERAGE COMPANY USA LLC
MOLSON COORS CONSOLIDATED RETIREMENT AND THRIFT SAVINGS PLAN
$452.0M · 1,873 participants
MASSACHUSETTS SOCIETY FOR THE PREVENTION OF CRUELTY TO ANIMALS
MASSACHUSETTS SOCIETY FOR THE PREVENTION OF CRUELTY TO ANIMALS TAX SHELTERED ANNUITY PLAN
$87.5M · 840 participants
Similar-size Educational Services plans
XAVIER UNIVERSITY
XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN
$410.6M · 1,871 participants
TRUSTEES OF THE COLLEGE OF THE HOLY CROSS
COLLEGE OF THE HOLY CROSS 403(B) DEFINED CONTRIBUTION & GROUP SUPPLEMENTAL RETIREMENT PLAN
$401.8M · 954 participants
STRATEGIC EDUCATION, INC.
STRATEGIC EDUCATION, INC. 401(K) PLAN
$416.5M · 4,436 participants
WISCONSIN ASSOCIATION OF INDEPENDENT COLLEGES AND UNIVERSITIES
WAICU RETIREMENT READINESS PLAN
$418.0M · 1,904 participants
CARLETON COLLEGE
CARLETON COLLEGE DEFINED CONTRIBUTION PLAN
$396.7M · 930 participants
MID-SOUTH INDEPENDENT SCHOOL BUSINESS OFFICERS, INC.
THE INDEPENDENT SCHOOL GROUP RETIREMENT PLAN (MISBO)
$394.8M · 2,981 participants
Large plans in New York
INTERNATIONAL BUSINESS MACHINES CORPORATION
IBM 401(K) PLAN
$60.4B · 49,030 participants
TEACHERS INSURANCE & ANNUITY ASSOCIATION OF AMERICA
TIAA REAL ESTATE ACCOUNT
$25.2B
JPMORGAN CHASE BANK, N.A.
COMMINGLED PENSION TRUST FUND (STRATEGIC PROPERTY) OF JPMORGAN CHASE BANK, N.A.
$24.3B
MORGAN STANLEY DOMESTIC HOLDINGS, LLC
MORGAN STANLEY 401(K) PLAN
$22.2B · 54,084 participants
PFIZER INC
PFIZER SAVINGS PLAN
$22.0B · 29,469 participants
JPMORGAN CHASE BANK, N.A.
COMMINGLED PENSION TRUST FUND (EQUITY INDEX) OF JPMORGAN CHASE BANK, N.A.
$20.0B