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Original filing (PDF)20260313181826NAL0008169696001
JOINT BOARD OF TRUSTEES OF THE UA LOCAL 190 INDIVIDUAL HRA PLAN
Form 5500
FILING_RECEIVED
UA LOCAL 190 INDIVIDUAL HRA PLAN
Health & welfare plan
Signals · 3
64% in single holdingNo recordkeeper disclosed6 service providers
Active participants
1,283
Accounts w/ balance
—
Plan assets (EOY)
$14.8M
Net assets (EOY)
$14.3M
How this plan invests
This plan
4 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 "UNALLOCATED CONTRACTS * Empower Annuity Insurance Company Empower EAIC Fixed Rate Fund" is 64% of plan.
- 44 bps in Schedule C fees — 51% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for JOINT BOARD OF TRUSTEES OF THE UA LOCAL 190 INDIVIDUAL HRA PLAN.
Plan sponsor
Name
JOINT BOARD OF TRUSTEES OF THE UA LOCAL 190 INDIVIDUAL HRA PLAN
EIN
26-0268950
Address
700 TOWER DRIVE · STE 300 · TROY, MI · 48098
Phone
(248) 813-9800
Industry
Plumbing, Heating, AC Contractors· Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
504
Plan year
2024
Plan year begin
2024-06-01
Tax period
2025-05-31
Filed
2026-03-13
Welfare benefit codes
4A · Health (other than dental or vision)
4D · Dental
4E · Vision
4U · Dependent Care
Audit & trust (Schedule H)
Auditor
BENNETT & ASSOCIATES CPAS PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsOther
6| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TIC MIDWEST LLC | 93-4217445 | — | NONE | $17K | — |
| BENNETT & ASSOCIATES CPAS PLLC | 27-3488128 | — | NONE | $15K | — |
| COMERICA BANK | 42-1741646 | — | NONE | $9K | — |
| WEX HEALTH, INC | 06-1593514 | — | NONE | $8K | — |
| UA LOCAL 190 | 38-0895168 | — | SPONSORING ORGANIZATION | $8K | — |
| BENESYS, INC | 38-2383171 | — | NONE | $7K | — |
Investments
4 direct securities· $14.1M(96% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| UNALLOCATED CONTRACTS * Empower Annuity Insurance Company Empower EAIC Fixed Rate Fund | — | — | $9.0M | $9.0M | 61.0% | |
| Goldman Sachs Financial Square Gov't Inst 3,587,288 shares | — | — | $3.6M | $3.6M | 24.3% | |
| The Huntington National Bank ICS-IntraFi Cash Service 3.75% | — | — | $969K | $969K | 6.6% | |
| The Huntington National Bank Commercial interest checking 4% | — | — | $561K | $561K | 3.8% |