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Original filing (PDF)20250814090302NAL0008955331002
BOARD OF TRUSTEES SHEET METAL WORKERS LOCAL 112 ANNUITY FUND
Form 5500
FILING_RECEIVED
SHEET METAL WORKERS LOCAL 112 ANNUITY FUND
Defined-contribution retirement plan
Signals · 1
10 service providers
Active participants
314
Accounts w/ balance
380
Plan assets (EOY)
$28.2M
Net assets (EOY)
$28.2M
How this plan invests
This plan
17 collective trusts
Schedule D
Individual securities
on each trust's filing
This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.
Plan health score (directional)
90
/ 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
75
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- 39 bps in Schedule C fees — modestly above peer band of 29 bps.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES SHEET METAL WORKERS LOCAL 112 ANNUITY FUND.
Plan sponsor
Name
BOARD OF TRUSTEES SHEET METAL WORKERS LOCAL 112 ANNUITY FUND
EIN
16-1350306
Address
PO BOX 1146 · ELMIRA, NY · 14902
Phone
(607) 733-3732
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
005
Plan year
2023
Plan year begin
2023-11-01
Tax period
2024-10-31
Filed
2025-08-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
MENGEL, METZGER, BARR & CO. LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
10 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | — | RECORDKEEPER | — | — |
Accountant / Auditor
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MENGEL, METZGER, BARR & CO. LLP | 16-1092347 | — | AUDITOR | $17K | — |
| JUDITH J GUSH | 47-2595681 | — | OUTSIDE ACCOUNTANT | $5K | — |
Other
7| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SHEET METAL WORKERS LOCAL 112 ANN | 16-1350306 | — | PLAN SPONSOR | $55K | — |
| SHEET METAL WORKERS LOCAL 112 | 16-0578131 | — | ADMINISTRATION | $15K | — |
| SMW LOCAL 112 WELFARE FUND | 16-6052225 | — | UNION BENEFIT FUND | $13K | — |
| EMPOWER ADVISORY GROUP LLC | — | — | INVESTMENT MGR | $2K | — |
| AMERICAN CENTURY | 43-1819235 | — | INVESTMENT PROVIDER | — | — |
| INVESCO | 84-0933032 | — | INVESTMENT PROVIDER | — | — |
| MASS MUTUAL | — | — | INVESTMENT PROVIDER | — | — |
Investments
17 pooled funds· $20.6M(73% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
| Investment | Type | Current value | % of plan |
|---|---|---|---|
| MASSMUTUAL RETIRESMART BY JPM 2050 MASSMUTUAL · EIN 90-0342299 / PN 000 | Pooled Separate Account | $3.4M | 11.9% |
| MASSMUTUAL BALANCED SVC MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $2.8M | 10.1% |
| MASSMUTUAL RETIRESMART BY JPM 2040 MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $2.7M | 9.6% |
| MM S&P 500 INDEX ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $2.1M | 7.5% |
| MASSMUTUAL RETIRESMART BY JPM 2030 MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $1.8M | 6.5% |
| AMERICAN CENTURY EQUITY GROWTH INV AMERICAN CENTURY INVESTMENTS · EIN 04-1590850 / PN 000 | Pooled Separate Account | $1.5M | 5.4% |
| MASSMUTUAL SMALL CAP GR EQ SVC MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $1.3M | 4.5% |
| MASSMUTUAL MID CAP GROWTH R5 MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $1.2M | 4.4% |
| MASSMUTUAL GLOBAL R5 MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $958K | 3.4% |
| MASSMUTUAL BLUE CHIP GROWTH SVC MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $917K | 3.3% |
| INVESCO SMALL CAP VALUE A INVESCO · EIN 90-0342299 / PN 000 | Pooled Separate Account | $482K | 1.7% |
| MASSMUTUAL DIVERSIFIED BOND SVC MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $433K | 1.5% |
| PRM CR VAL EQ WLLGTN-BRNDYWN-TRP PRM CR VAL EQ(WLLGTN-BRNDYWN-TRP) · EIN 04-1590850 / PN 000 | Pooled Separate Account | $399K | 1.4% |
| AMERICAN FUNDS EUROPACIFIC GROWTH R AMERICAN FUNDS · EIN 04-1590850 / PN 000 | Pooled Separate Account | $244K | 0.9% |
| MASSMUTUAL RETIRESMART BY JPM 2020 MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $158K | 0.6% |
| MASSMUTUAL HIGH YIELD R5 MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $151K | 0.5% |
| MASSMUTUAL RETIRESMART BY JPM IN RE MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | $7K | <0.1% |