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Original filing (PDF)20251005150200NAL0002874593001
BOARD OF TRUSTEES, SMW LOCAL UNION NO. 25 NJ ANNUITY FUND
Form 5500
FILING_RECEIVED
SHEET METAL WORKERS LOCAL UNION NO 25 NEW JERSEY ANNUITY FUND
Defined-contribution retirement plan
Signals · 3
62% in single holdingNo recordkeeper disclosed7 service providers
Active participants
378
Accounts w/ balance
950
Plan assets (EOY)
$157.8M
Net assets (EOY)
$157.7M
How this plan invests
This plan
15 pooled trusts
Schedule D
15 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
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
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "[DFE: DRYDEN S&P 500 INDEX FUND (SAB) (extraction pending)]" is 62% of plan.
- 20 bps in Schedule C fees — 103% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES, SMW LOCAL UNION NO. 25 NJ ANNUITY FUND.
Plan sponsor
Name
BOARD OF TRUSTEES, SMW LOCAL UNION NO. 25 NJ ANNUITY FUND
EIN
22-2586286
Address
440 BARELL AVENUE · CARLSTADT, NJ · 07072
Phone
(201) 507-0330
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
2025-10-05
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
Audit & trust (Schedule H)
Auditor
MANFRE CPA P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsOther
7| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSUR CO OF AMERICA | 06-1050034 | — | NONE | $78K | — |
| BOYD WATTERSON ASSET MANAGEMENT LLC | 45-2061717 | CHICAGO, IL | NONE | $73K | — |
| REYNOLDS CONSULTING | 11-2558102 | — | NONE | $42K | — |
| KARLEEN O NEILL | 22-2586287 | — | EMPLOYEE | $40K | — |
| MANFRE CPA P.C. | 61-1632657 | — | NONE | $40K | — |
| VIRGINIA OLSEN | 22-2586287 | — | EMPLOYEE | $36K | — |
| CLEARY, JOSEM & TRIGIANI LLP | 23-2657967 | PHILADELPHIA, PA | NONE | $11K | — |
Investments
5 direct securities · 15 pooled funds· $24.8M(16% 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.
Pooled Separate Account
$23.2M
15 holdings
Uncategorized
$1.6M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| DRYDEN S&P 500 INDEX FUND EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 123 | Pooled Separate Account | — | — | $14.4M | 9.2% | |
| SMALL CAP GROWTH/TIMESSQ EMPOWER ANNUITY INSURANCE CO MPANY · EIN 06-1050034 / PN 132 | Pooled Separate Account | — | — | $2.2M | 1.4% | |
| PRU DAY ONE IFX TARG BAL EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 697 | Pooled Separate Account | — | — | $1.7M | 1.1% | |
| SA/JANUS BALANCED STRAT EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 180 | Pooled Separate Account | — | — | $904K | 0.6% | |
| [DFE: LIFETIME 20 FUND-INCOME FLEX - IF1 (extraction pending)] | — | — | — | $842K | 0.5% | |
| IFX LT AGG GROWTH FD I EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 511 | Pooled Separate Account | — | — | $842K | 0.5% | |
| BALANCED I / WELLINGTON EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 084 | Pooled Separate Account | — | — | $620K | 0.4% | |
| TRP EQUITY INC STRATEGY EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 265 | Pooled Separate Account | — | — | $554K | 0.4% | |
| MID CAP VALUE/ROBECO BOSTON PARTNER EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 440 | Pooled Separate Account | — | — | $477K | 0.3% | |
| [DFE: LIFETIME 60 FUND-INCOME FLEX - IF5 (extraction pending)] | — | — | — | $415K | 0.3% | |
| IFX LT INC & EQUITY I EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 515 | Pooled Separate Account | — | — | $415K | 0.3% | |
| SMALL CAP VALUE I BNYM NEWTON EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 410 | Pooled Separate Account | — | — | $361K | 0.2% | |
| REAL ESTATE/COHEN & STEERS FUND EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 305 | Pooled Separate Account | — | — | $353K | 0.2% | |
| [DFE: LIFETIME 40 FUND-INCOME FLEX - IF3 (extraction pending)] | — | — | — | $162K | 0.1% | |
| IFX LT BALANCED FUND I EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 513 | Pooled Separate Account | — | — | $162K | 0.1% | |
| [DFE: LIFETIME 50 FUND-INCOME FLEX - IF4 (extraction pending)] | — | — | — | $160K | 0.1% | |
| IFX LT CONSERVATIVE FUND I EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 514 | Pooled Separate Account | — | — | $160K | 0.1% | |
| NT RUSSELL 3000 EQ IDX EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 621 | Pooled Separate Account | — | — | $31K | <0.1% | |
| [DFE: LIFETIME 30 FUND-INCOME FLEX - IF2 (extraction pending)] | — | — | — | $27K | <0.1% | |
| IFX LT GROWTH FUND I EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 512 | Pooled Separate Account | — | — | $27K | <0.1% |