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Original filing (PDF)20251013124229NAL0001239249003
BOARD OF TRUSTEES STEAMFITTERS SURETY FUND LOCAL 475
Form 5500
FILING_RECEIVED
STEAMFITTERS SURETY FUND LOCAL UNION NO 475
Defined-contribution retirement plan
Signals · 2
52% in single holding17 service providers
Active participants
1,582
Accounts w/ balance
1,653
Plan assets (EOY)
$174.7M
Net assets (EOY)
$174.4M
How this plan invests
This plan
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Mass Mutual (Emplower) Fixed Income Fund" is 52% of plan.
Helping the score
- Below-peer total fees (6 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES STEAMFITTERS SURETY FUND LOCAL 475.
Plan sponsor
Name
BOARD OF TRUSTEES STEAMFITTERS SURETY FUND LOCAL 475
EIN
22-2351695
Address
136 MOUNT BETHEL ROAD · WARREN, NJ · 070595129
Phone
(908) 754-1030
Industry
Plumbing, Heating, AC Contractors· Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2E · Profit-sharing
2H · Partial participant-directed accounts
Audit & trust (Schedule H)
Auditor
MSPC CPAS & ADVISORS, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
17 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $29K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MASSACHUSETTS MUTUAL LIFE INS CO | 04-1590850 | — | CONTRACT ADMINISTRATOR | $0 | — |
Other
15| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MSPC CPAS & ADVISORS, P.C. | 22-2951202 | CRANFORD, NJ | NONE | $25K | — |
| REYNOLDS CONSULTING SERVICES, LLC | 11-2558102 | JERICHO, NY | NONE | $24K | — |
| LARRY MAGARIK, ESQ | — | NEW YORK, NY | — | $11K | — |
| LINDABURY, MCCORMICK, ESTABROOK | 22-1943351 | WESTFIELD, NJ | NONE | $8K | — |
| AB FUNDS | 13-4071393 | — | INVESTMENT PROVIDER | $0 | — |
| AMERICAN CENTURY | 43-1646043 | — | INVESTMENT PROVIDER | $0 | — |
| AMERICAN CENTURY | 44-6006315 | — | INVESTMENT PROVIDER | $0 | — |
| AMERICAN FUNDS | 52-0792143 | — | INVESTMENT PROVIDER | $0 | — |
| FIDELITY INVESTMENTS | 04-6056833 | — | INVESTMENT PROVIDER | $0 | — |
| MFS INVESTMENT MANAGEMENT | 04-3158862 | — | INVESTMENT PROVIDER | $0 | — |
| T. ROWE PRICE | 52-1151266 | — | INVESTMENT PROVIDER | $0 | — |
| T. ROWE PRICE | 52-1424600 | — | INVESTMENT PROVIDER | $0 | — |
| VANGUARD | 23-1945930 | — | INVESTMENT PROVIDER | $0 | — |
| VANGUARD | 23-1999755 | — | INVESTMENT PROVIDER | $0 | — |
| CARILLON EAGLE | — | ST PETERSBURG, FL | INVESTMENT PROVIDER | $0 | — |
Investments
24 direct securities· $174.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Mass Mutual (Emplower) Fixed Income Fund | — | — | — | $91.4M | 52.3% | |
| Fidelity Contrafund 744,731 | — | — | — | $15.7M | 9.0% | |
| MassMutual Select Trp Retirement 2030 791,175 | — | — | — | $12.1M | 6.9% | |
| Ishares S&P 500 Index A 21,764 | — | — | — | $11.6M | 6.6% | |
| MassMutual Select Trp Retirement 2040 705,041 | — | — | — | $10.9M | 6.2% | |
| MassMutual Select Trp Retirement 2050 615,453 | — | — | — | $10.0M | 5.7% | |
| American Century Ultra - A 41,270 | — | — | — | $5.2M | 3.0% | |
| MassMutual Select Trp Retirement 2060 146,524 | — | — | — | $2.7M | 1.5% | |
| MassMutual Select Trp Retirement 2020 166,362 | — | — | — | $2.4M | 1.3% | |
| Vanguard Small Cap Value Index Admiral 1,064 | — | — | — | $1.3M | 0.7% | |
| T. Rowe Price Equity Income Adv 37,324 | — | — | — | $1.3M | 0.7% | |
| T. Rowe Price Small Cap Stock - Adv 16,841 | — | — | — | $1.2M | 0.7% | |
| MassMutual Balanced Svc 33,220 | — | — | — | $1.2M | 0.7% | |
| MassMutual Select Trp Retirement 2010 82,781 | — | — | — | $1.2M | 0.7% | |
| American Funds Growth Fund of Amer R3 14,327 | — | — | — | $1.0M | 0.6% | |
| MFS Mid Cap Value R4 92,111 | — | — | — | $1.0M | 0.6% | |
| Fidelity Global Equity Income 38,393 | — | — | — | $774K | 0.4% | |
| Peapack-Gladstone Bank - Interest Bearing Accounts ** $ | — | — | — | $749K | 0.4% | |
| AB Relative Value A 115,720 | — | — | — | $717K | 0.4% | |
| Vanguard Mid-Cap Growth Index Admiral 8,719 | — | — | — | $696K | 0.4% | |
| Carillon Eagle Mid Cap Growth I 7,704 | — | — | — | $592K | 0.3% | |
| American Century Equity Income Inv 60,493 | — | — | — | $345K | 0.2% | |
| Vanguard Ftse All-Wld Ex-Us Inx Admiral 6,367 | — | — | — | $311K | 0.2% | |
| Vanguard International Core Stock Adm 15,241 | — | — | — | $27K | <0.1% |