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Original filing (PDF)20251008222853NAL0003566819001
LOCAL 445 ANNUITY FUND
Form 5500
FILING_RECEIVED
LOCAL 445 ANNUITY FUND
Defined-contribution retirement plan
Signals · 2
No recordkeeper disclosed6 service providers
Active participants
387
Accounts w/ balance
776
Plan assets (EOY)
$17.7M
Net assets (EOY)
$17.5M
How this plan invests
This plan
115 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
- 60 bps in Schedule C fees — 106% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LOCAL 445 ANNUITY FUND.
Plan sponsor
Name
LOCAL 445 ANNUITY FUND
EIN
14-1731806
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
2C · Money purchase (other than target benefit)
Audit & trust (Schedule H)
Auditor
MSPC CERTIFIED PUBLIC ACCOUNTANTS &
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsOther
6| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MSPC | 22-2951202 | — | NONE | $32K | — |
| STACEY BRAUN ASSOCIATES, INC. | 13-2889432 | — | NONE | $22K | — |
| MERRILL LYNCH | 13-5674085 | — | NONE | $17K | — |
| BARNES, IACCARINO & SHEPHERD LLP | 13-4212610 | — | NONE | $15K | — |
| BANK OF NEW YORK MELLON | 13-5160382 | — | NONE | $11K | — |
| STONE CASTLE REALTY | 13-2891975 | — | RELATED FUND | $8K | — |
Investments
112 direct securities· $16.7M(94% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Russell 1000 Va-Ins | — | 13,284 | $2.8M | $4.2M | 23.8% | |
| Invesco Treasury-Inst | — | 833,463 | — | $833K | 4.7% | |
| U S Treasury Note | — | 725,000 | $714K | $643K | 3.6% | |
| Microsoft Corp | — | 1,243 | $298K | $524K | 3.0% | |
| Amazon.Com Inc | — | 1,873 | $221K | $411K | 2.3% | |
| Nvidia Corp | — | 2,950 | $69K | $396K | 2.2% | |
| Apple Inc | — | 1,223 | $214K | $306K | 1.7% | |
| U S Treasury Note | — | 325,000 | $313K | $292K | 1.6% | |
| U S Treasury Note | — | 285,000 | $281K | $278K | 1.6% | |
| U S Treasury Note | — | 275,000 | $270K | $256K | 1.4% | |
| Hershey Co/The | — | 250,000 | $255K | $248K | 1.4% | |
| U S Treasury Note | — | 300,000 | $298K | $248K | 1.4% | |
| Apple Inc | — | 250,000 | $257K | $247K | 1.4% | |
| U S Treasury Note | — | 250,000 | $251K | $244K | 1.4% | |
| U S Treasury Note | — | 250,000 | $250K | $239K | 1.4% | |
| U S Treasury Note | — | 250,000 | $249K | $230K | 1.3% | |
| U S Treasury Note | — | 250,000 | $246K | $222K | 1.3% | |
| Meta Platforms Inc | — | 373 | $101K | $218K | 1.2% | |
| U S Treasury Note | — | 200,000 | $199K | $197K | 1.1% | |
| U S Treasury Note | — | 200,000 | $197K | $196K | 1.1% | |
| U S Treasury Note | — | 185,000 | $182K | $180K | 1.0% | |
| Alphabet Inc | — | 867 | $111K | $164K | 0.9% | |
| Broadcom Inc | — | 688 | $118K | $160K | 0.9% | |
| U S Treas-Cpi Inflat | — | 170,769 | $176K | $150K | 0.8% | |
| U S Treasury Note | — | 150,000 | $150K | $149K | 0.8% | |
| Nucor Corp | — | 150,000 | $158K | $148K | 0.8% | |
| U S Treasury Note | — | 150,000 | $147K | $146K | 0.8% | |
| U S Treasury Note | — | 145,000 | $145K | $145K | 0.8% | |
| U S Treasury Note | — | 150,000 | $147K | $143K | 0.8% | |
| Alphabet Inc | — | 731 | $99K | $139K | 0.8% | |
| Walt Disney Co/The | — | 150,000 | $156K | $133K | 0.8% | |
| Starbucks Corp | — | 150,000 | $156K | $132K | 0.7% | |
| Tesla Inc | — | 316 | $72K | $128K | 0.7% | |
| U S Treasury Note | — | 120,000 | $118K | $119K | 0.7% | |
| Arthur J Gallagher & Co | — | 395 | $117K | $112K | 0.6% | |
| Mastercard Inc | — | 208 | $71K | $110K | 0.6% | |
| Spotify Technology Sa | — | 228 | $67K | $102K | 0.6% | |
| PepsiCo Inc | — | 100,000 | $109K | $99K | 0.6% | |
| U S Treasury Note | — | 100,000 | $100K | $99K | 0.6% | |
| U S Treasury Note | — | 100,000 | $100K | $99K | 0.6% | |
| U S Treasury Note | — | 100,000 | $100K | $99K | 0.6% | |
| Kellanova | — | 100,000 | $95K | $98K | 0.6% | |
| U S Treas-Cpi Inflat | — | 104,891 | $116K | $97K | 0.5% | |
| UnitedHealth Group Inc | — | 100,000 | $103K | $97K | 0.5% | |
| U S Treasury Note | — | 100,000 | $99K | $96K | 0.5% | |
| U S Treasury Note | — | 100,000 | $100K | $89K | 0.5% | |
| ServiceNow Inc | — | 83 | $37K | $88K | 0.5% | |
| Eli Lilly & Co | — | 107 | $62K | $83K | 0.5% | |
| Oracle Corp | — | 490 | $82K | $82K | 0.5% | |
| Intuitive Surgical Inc | — | 149 | $43K | $78K | 0.4% | |
| Chipotle Mexican Grill Inc | — | 1,278 | $58K | $77K | 0.4% | |
| Netflix Inc | — | 85 | $41K | $76K | 0.4% | |
| Cisco Systems Inc | — | 75,000 | $75K | $75K | 0.4% | |
| McKesson Corp | — | 75,000 | $75K | $75K | 0.4% | |
| Broadcom Inc | — | 75,000 | $75K | $75K | 0.4% | |
| AutoZone Inc | — | 75,000 | $75K | $74K | 0.4% | |
| T-Mobile USA Inc | — | 75,000 | $75K | $74K | 0.4% | |
| Colgate-Palmolive Co | — | 75,000 | $75K | $74K | 0.4% | |
| Marsh & McLennan Cos Inc | — | 75,000 | $74K | $74K | 0.4% | |
| Howmet Aerospace Inc | — | 75,000 | $74K | $74K | 0.4% | |
| U S Treasury Note | — | 75,000 | $74K | $73K | 0.4% | |
| U S Treasury Note | — | 75,000 | $75K | $73K | 0.4% | |
| McDonald’s Corp | — | 75,000 | $74K | $73K | 0.4% | |
| O’Reilly Automotive Inc | — | 61 | $53K | $72K | 0.4% | |
| U S Treasury Note | — | 75,000 | $74K | $72K | 0.4% | |
| Eaton Corp | — | 75,000 | $71K | $71K | 0.4% | |
| GE Aerospace | — | 398 | $60K | $66K | 0.4% | |
| Eaton Corp Plc | — | 197 | $62K | $65K | 0.4% | |
| Trane Technologies Plc | — | 170 | $46K | $63K | 0.4% | |
| Automatic Data Processing Inc | — | 211 | $64K | $62K | 0.3% | |
| KKR & Co Inc | — | 409 | $35K | $60K | 0.3% | |
| Intuit Inc | — | 88 | $56K | $55K | 0.3% | |
| Fiserv Inc | — | 264 | $54K | $54K | 0.3% | |
| Lam Research Corp | — | 734 | $44K | $53K | 0.3% | |
| Texas Instruments Inc | — | 280 | $56K | $53K | 0.3% | |
| Workday Inc | — | 202 | $43K | $52K | 0.3% | |
| Ecolab Inc | — | 222 | $55K | $52K | 0.3% | |
| Stryker Corp | — | 141 | $48K | $51K | 0.3% | |
| U S Treasury Note | — | 50,000 | $50K | $50K | 0.3% | |
| Parker-Hannifin Corp | — | 50,000 | $50K | $49K | 0.3% | |
| U S Treasury Note | — | 50,000 | $50K | $49K | 0.3% | |
| Synopsys Inc | — | 101 | $43K | $49K | 0.3% | |
| Thermo Fisher Scientific Inc | — | 50,000 | $49K | $45K | 0.3% | |
| Hilton Worldwide Holdings Inc | — | 174 | $22K | $43K | 0.2% | |
| Vulcan Materials Co | — | 164 | $44K | $42K | 0.2% | |
| Boston Scientific Corp | — | 468 | $24K | $42K | 0.2% | |
| Howmet Aerospace Inc | — | 380 | $45K | $42K | 0.2% | |
| U S Treasury Note | — | 40,000 | $39K | $40K | 0.2% | |
| U S Treasury Note | — | 40,000 | $40K | $39K | 0.2% | |
| Alnylam Pharmaceuticals Inc | — | 165 | $48K | $39K | 0.2% | |
| Shopify Inc | — | 355 | $23K | $38K | 0.2% | |
| U S Treasury Note | — | 35,000 | $35K | $35K | 0.2% | |
| U S Treasury Note | — | 35,000 | $35K | $34K | 0.2% | |
| Snowflake Inc | — | 184 | $32K | $28K | 0.2% | |
| FHLMC Pool #A8-7381 | — | 24,880 | $25K | $24K | 0.1% | |
| FHLMC Pool #C0-3719 | — | 24,918 | $25K | $23K | 0.1% | |
| FNMA Pool #0ap3187 | — | 24,899 | $26K | $23K | 0.1% | |
| U S Treasury Note | — | 25,000 | $25K | $20K | 0.1% | |
| FNMA Pool #0ae1853 | — | 11,577 | $12K | $11K | <0.1% | |
| FNMA Pool #0ap9889 | — | 11,003 | $12K | $10K | <0.1% | |
| U S Treasury Bond | — | 9,000 | $12K | $9K | <0.1% | |
| U S Treasury Bond | — | 7,000 | $10K | $7K | <0.1% | |
| FHLMC Pool #A8-7189 | — | 6,342 | $6K | $6K | <0.1% | |
| FNMA Pool #0ad7993 | — | 6,234 | $7K | $6K | <0.1% | |
| FNMA Pool #0ab3267 | — | 3,210 | $3K | $3K | <0.1% | |
| FNMA Pool #0984477 | — | 1,638 | $2K | $2K | <0.1% | |
| FHLMC Pool #Q0-4362 | — | 694 | $707 | $634 | <0.1% | |
| FNMA Pool #0ai8082 | — | 675 | $688 | $613 | <0.1% | |
| FNMA Pool #0745950 | — | 498 | $548 | $516 | <0.1% | |
| FNMA Pool #0888268 | — | 294 | $324 | $304 | <0.1% | |
| FHLMC Pool #Q0-4358 | — | 186 | $187 | $169 | <0.1% | |
| FNMA Pool #0889493 | — | 128 | $140 | $132 | <0.1% |
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