Back to filter
Original filing (PDF)20260217182739NAL0006463649001
CONSTRUCTION AND GENERAL LABORERS LOCAL 190 ANNUITY PLAN
Form 5500
FILING_RECEIVED
CONSTRUCTION AND GENERAL LABORERS LOCAL 190 ANNUITY PLAN
Defined-contribution retirement plan
Signals · 3
27% in single holding~121 bps in Sched C feesNo recordkeeper disclosed
Active participants
2,074
Accounts w/ balance
2,074
Plan assets (EOY)
$30.3M
Net assets (EOY)
$30.1M
How this plan invests
This plan
1 pooled trust
Schedule D
19 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
86
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Vanguard Target Retirement 2030 200,388 shares" is 27% of plan.
- 121 bps in Schedule C fees — 319% 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 CONSTRUCTION AND GENERAL LABORERS LOCAL 190 ANNUITY PLAN.
Plan sponsor
Name
CONSTRUCTION AND GENERAL LABORERS LOCAL 190 ANNUITY PLAN
EIN
26-0422339
Address
668 WEMPLE ROAD · GLENMONT, NY · 120774010
Phone
(518) 465-1376
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-08-01
Tax period
2025-07-31
Filed
2026-02-17
Pension benefit codes
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
TEAL, BECKER, & CHIARAMONTE CPAS PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT PLAN ADMINISTRATIVE SERVICE | 16-1503696 | — | N/A | $288K | — |
| ZENITH AMERICAN SOLUTIONS | 52-1590516 | — | N/A | $44K | — |
| TEAL, BECKER & CHIARAMONTE CPAS PC | 14-1624930 | — | N/A | $17K | — |
| ROBERT CHEVERIE & ASSOCIATES PC | 06-1335139 | — | N/A | $11K | — |
| SUMMIT ACTUARIAL SERVICES | 77-0645890 | — | N/A | $8K | — |
Investments
18 direct securities · 1 pooled fund· $30.0M(99% 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.
Uncategorized
$29.8M
18 holdings
Common Collective Trust
$152K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 200,388 shares | — | — | $200K | $8.2M | 27.2% | |
| Vanguard Target Retirement 2040 114,270 shares | — | — | $114K | $5.4M | 17.9% | |
| Vanguard TGT Retirement Income 179,950 shares | — | — | $180K | $2.5M | 8.2% | |
| Vanguard Target Retirement 2050 42,614 shares | — | — | $43K | $2.4M | 7.8% | |
| Vanguard Target Retirement 2045 63,834 shares | — | — | $64K | $2.1M | 6.9% | |
| Vanguard Target Retirement 2020 65,614 shares | — | — | $66K | $1.9M | 6.1% | |
| Cash in interest bearing checking account | — | — | — | $1.6M | 5.2% | |
| Vanguard Target Retirement 2055 25,058 shares | — | — | $25K | $1.5M | 5.1% | |
| Vanguard Target Retirement 2035 55,359 shares | — | — | $55K | $1.4M | 4.8% | |
| Vanguard Target Retirement 2025 63,925 shares | — | — | $64K | $1.3M | 4.3% | |
| Vanguard Target Retirement 2060 14,167 shares | — | — | $14K | $805K | 2.7% | |
| Vanguard 500 Index Admiral 589 shares | — | — | — | $345K | 1.1% | |
| American Funds Amcap Fund R6 3,565 shares | — | — | $4K | $166K | 0.5% | |
| METROPOLITAN STABLE VALUE FUND RELIANCE TRUST COMPANY · EIN 46-6625485 / PN 002 | Common Collective Trust | — | — | $152K | 0.5% | |
| Vanguard Target Retirement 2065 3,608 shares | — | — | $4K | $134K | 0.4% | |
| Vanguard Mid-Cap Index Admiral 140 shares | — | — | — | $49K | 0.2% | |
| Vanguard Small-Cap Index ADM 283 shares | — | — | — | $33K | 0.1% | |
| Vanguard Target Retirement 2070 383 shares | — | — | — | $11K | <0.1% | |
| Vanguard Equity Income Admiral 101 shares | — | — | — | $9K | <0.1% |