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Original filing (PDF)20260217153624NAL0006276929001
LOCAL 294 AND EASTERN CONTRACTORS ASSOC. JOINT EDUCATION AND TRAINING
Form 5500
FILING_RECEIVED
TEAMSTERS LOCAL 294 AND EASTERN CONTRACTORS ASSOCIATION, INC. JOINT EDUCATION AND TRAINING FUND
Health & welfare plan
Signals · 3
25% in single holding~96 bps in Sched C feesNo recordkeeper disclosed
Active participants
101
Accounts w/ balance
—
Plan assets (EOY)
$1.7M
Net assets (EOY)
$1.6M
How this plan invests
This plan
45 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
87
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Morgan Stanley Bank, N.A" is 25% of plan.
- 96 bps in Schedule C fees — 85% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LOCAL 294 AND EASTERN CONTRACTORS ASSOC. JOINT EDUCATION AND TRAINING.
Plan sponsor
Name
LOCAL 294 AND EASTERN CONTRACTORS ASSOC. JOINT EDUCATION AND TRAINING
EIN
23-7108217
Address
6 AIRLINE DRIVE · ALBANY, NY · 12205
Phone
(518) 869-0961
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-05-01
Tax period
2025-04-30
Filed
2026-02-17
Welfare benefit codes
4J · Apprenticeship and Training
4K · Scholarship (Funded)
Audit & trust (Schedule H)
Auditor
TEAL, BECKER, & CHIARAMONTE CPAS PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TEAL, BECKER & CHIARAMONTE, CPAS, | — | — | NONE | $10K | — |
| MORGAN STANLEY SMITH BARNEY LLC | — | LATHAM, NY | NONE | $6K | — |
Investments
44 direct securities· $1.4M(87% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Morgan Stanley Bank, N.A | — | — | $397K | $397K | 24.0% | |
| 2,671 Vanguard Total Bond Market | — | — | $200K | $196K | 11.9% | |
| 4.50%, Due 08/14/2026 | — | — | $120K | $121K | 7.3% | |
| 120,000 JP Morgan Chase BK Columbus OH CD | — | — | — | $120K | 7.2% | |
| 4.10%, Due 08/14/2025 | — | — | $120K | $120K | 7.2% | |
| 235 Ishares Russell 1000 GRW ETF | — | — | $37K | $86K | 5.2% | |
| 849 Vanguard Short Term Bond | — | — | $66K | $67K | 4.0% | |
| 343 Ishares Russell 1000 Value ETF | — | — | $39K | $63K | 3.8% | |
| 741 Ishares Core MSCI EAFE ETF | — | — | $37K | $58K | 3.5% | |
| 636 Ishares Core MSCI Emerging | — | — | $29K | $34K | 2.1% | |
| 193 Ishares Russell Midcap G ETF | — | — | $20K | $23K | 1.4% | |
| 41 Ishares Core S&P 500 ETF | — | — | $19K | $23K | 1.4% | |
| 220 JPMorgan Ultra-Short Income ETF | — | — | $11K | $11K | 0.7% | |
| 46 Philip Morris International Inc | — | — | $4K | $8K | 0.5% | |
| 13 Berkshire Hathaway Cl-B | — | — | $2K | $7K | 0.4% | |
| 30 Apple Inc | — | — | $1K | $6K | 0.4% | |
| 22 Progressive Corp Ohio | — | — | $2K | $6K | 0.4% | |
| 47 Ishares Russell Midcap V ETF | — | — | $3K | $6K | 0.3% | |
| 6 Blackrock Inc | — | — | $2K | $5K | 0.3% | |
| 20 Air Products & Chemicals Inc | — | — | $5K | $5K | 0.3% | |
| 257 Nintendo Co LTD Adr | — | — | $4K | $5K | 0.3% | |
| 59 Charles Schwab | — | — | $3K | $5K | 0.3% | |
| 28 Texas Instruments | — | — | $3K | $4K | 0.3% | |
| 20 Lowes Companies Inc | — | — | $2K | $4K | 0.3% | |
| 19 Norfolk Southern Corp | — | — | $3K | $4K | 0.3% | |
| 11 Microsoft Corp 576 | — | — | — | $4K | 0.3% | |
| 28 Paychex Inc | — | — | $2K | $4K | 0.2% | |
| 26 Johnson & Johnson | — | — | $4K | $4K | 0.2% | |
| 50 Fidelity National Information SE | — | — | $5K | $4K | 0.2% | |
| 46 Fastenal Co | — | — | $1K | $4K | 0.2% | |
| 62 Cisco Sys Inc | — | — | $2K | $4K | 0.2% | |
| 7 Northrop Grumman CP | — | — | $3K | $3K | 0.2% | |
| 56 Altria Group Inc | — | — | $3K | $3K | 0.2% | |
| 23 Chevron Corp | — | — | $2K | $3K | 0.2% | |
| 39 Starbucks Corp | — | — | $4K | $3K | 0.2% | |
| 68 Corning Inc | — | — | $3K | $3K | 0.2% | |
| 55 Dominion Energy Inc | — | — | $4K | $3K | 0.2% | |
| 20 TE Connectivity PLC | — | — | $3K | $3K | 0.2% | |
| 21 Cincinnati Financial Ohio | — | — | $2K | $3K | 0.2% | |
| 26 Nestle Spon Adr Rep Reg Shr | — | — | $2K | $3K | 0.2% | |
| 23 Crown Castle Intl Corp | — | — | $3K | $2K | 0.1% | |
| 20 Diageo Plc Spon Adr New | — | — | $2K | $2K | 0.1% | |
| 22 United Parcel Ser Inc | — | — | $3K | $2K | 0.1% | |
| 56 Comcast Corp Cl- A | — | — | $3K | $2K | 0.1% |