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Original filing (PDF)20250801095503NAL0015593330001
ASSOCIATION MASTER TRUST
Form 5500
FILING_RECEIVED
ASSOCIATION MASTER TRUST
Health & welfare plan
Signals · 3
~357 bps in Sched C feesNo recordkeeper disclosed21 service providers
Active participants
8,528
Accounts w/ balance
—
Plan assets (EOY)
$48.7M
Net assets (EOY)
$36.8M
Plan health score (directional)
83
/ 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
68
Participation health
100
Knocking points off
- 357 bps in Schedule C fees — 1131% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Highly fragmented vendor stack (21 disclosed providers, 5 categories).
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 ASSOCIATION MASTER TRUST.
Plan sponsor
Name
ASSOCIATION MASTER TRUST
EIN
22-6315089
Address
636 MORRIS TURNPIKE, · SUITE 2A · SHORT HILLS, NJ · 07078
Phone
(973) 379-1090
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-01
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
Audit & trust (Schedule H)
Auditor
WITHUMSMITH+BROWN, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
21 rowsAccountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WITHUM | — | EAST BRUNSWICK, NJ | CPA FIRM | $83K | — |
Actuary
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS | — | PRINCETON, NJ | ACTUARY | $389K | — |
Legal counsel
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GENOVA BURNS | 22-2940404 | NEWARK, NJ | ATTORNEY SERVICES | $60K | — |
| MICHAEL COSLIT, ESQUIRE | 26-2047211 | PISCATAWAY, NJ | ATTORNEY SERVICES | $36K | — |
| GREENBAUM, ROWE, SMITH, DAVIS | — | WOODBRIDGE, NJ | ATTORNEY SERVICES | $22K | — |
Insurance
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WORLD INSURANCE | — | PHILADELPHIA, PA | INSURANCE | $208K | — |
| THE HARTFORD | — | DALLAS, TX | INSURANCE | $10K | — |
Other
14| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCETON PARTNERS | — | PRINCETON, NJ | MARKETING SERVICES | $233K | — |
| EBIX | 77-0021975 | DALLAS, TX | COMPUTER SOFTWARE | $220K | — |
| SHORT HILLS PLAZA, LLC | — | SHORT HILLS, NJ | RENT EXPENSE | $183K | — |
| CORPORATE TECHNOLOGIES | — | FARGO, ND | IT SERVICES | $103K | — |
| 1111 | — | HOUSTON, TX | OFFSITE COMPUTER BACKUP | $71K | — |
| PITNEY BOWES | — | BOSTON, MA | POSTAGE EXPENSE | $50K | — |
| DE LAGE LANDEN | — | PHILADELPHIA, PA | EQUIPMENT LEASE | $16K | — |
| NEXTIVA | — | DALLAS, TX | TELEPHONE SERVICE | $12K | — |
| SUMMIT HOSTING | — | MARIETTA, GA | COMPUTER SOFTWARE | $9K | — |
| TOWNSQUARE MEDIA | — | EWING, NJ | RADIO ADS | $9K | — |
| VERIZON | — | NEWARK, NJ | TELEPHONES SERVICE | $8K | — |
| PUBLIC STORAGE | — | MOUNTANSIDE, NJ | STORAGE FACILITY | $6K | — |
| VERIZON WIRELESS | — | NEWARK, NJ | TELEPHONES SERVICE | $6K | — |
| US BANK EQUIPMENT | — | ST. LOUIS, MO | EQUIPMENT LEASE | $6K | — |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.