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Original filing (PDF)20251015185418NAL0010841474001
SPRINKLER FITTERS AND APPRENTICES LOCAL 704
Form 5500
FILING_RECEIVED
SPRINKLER FITTERS AND APPRENTICES LOCAL 704 DEFINED CONTRIBUTION PENSION FUND PLAN
Defined-contribution retirement plan
Signals · 1
23 service providers
Active participants
502
Accounts w/ balance
570
Plan assets (EOY)
$98.3M
Net assets (EOY)
$98.2M
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
75
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 58 bps in Schedule C fees — 263% above peer band of 16 bps.
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 SPRINKLER FITTERS AND APPRENTICES LOCAL 704.
Plan sponsor
Name
SPRINKLER FITTERS AND APPRENTICES LOCAL 704
EIN
35-2328542
Address
6525 CENTURION DRIVE · LANSING, MI · 489172131
Phone
(248) 813-9800
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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2K · 401(m) arrangement
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
WALTER, BOESKY & ASSOCIATES P.C.W
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
23 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS. CO. OF AMERICA | 84-0467907 | GREENWOOD VILLAGE, CO | RECORDKEEPER | $58K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH WEALTH MANAGEMENT | — | FARMINGTON HILLS, MI | INVESTMENT ADVISOR | $50K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MASSACHUSETTS MUTUAL LIFE INSURANCE | 04-1590850 | SPRINGFIELD, MA | CONTRACT ADMINISTRATOR | $15K | — |
Other
20| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $208K | — |
| SPRINKLER FITTERS & APPRENTICES DC | 35-2328542 | BINGHAM FARMS, MI | PLAN | $143K | — |
| ASHER KELLY | 84-3379113 | SOUTHFIELD, MI | NONE | $51K | — |
| TIC INTERNATIONAL CORPORATION | 13-2600875 | CARME, IN | NONE | $31K | — |
| WALTER, BOESKY & ASSOCIATES PC | 38-3629743 | SOUTHFIELD, MI | NONE | $15K | — |
| AMERICAN FUNDS | 95-1411037 | SAN FRANCISCO, CA | INVESTMENT PROVIDER | $0 | — |
| JANUS HENDERSON | 84-0592523 | DENVER, CO | INVESTMENT PROVIDER | $0 | — |
| NUVEEN | 36-3817266 | CHICAGO, IL | INVESTMENT PROVIDER | $0 | — |
| PIMCO | 95-2632339 | NEW YORK, NY | INVESTMENT PROVIDER | $0 | — |
| PUTNAM | 27-3616920 | BOSTON, MA | INVESTMENT PROVIDER | $0 | — |
| BLACKROCK | 13-3806694 | WILMINGTON, DE | INVESTMENT PROVIDER | $0 | — |
| TIAA-CREF | 13-4055167 | CHARLOTTE, NC | INVESTMENT PROVIDER | $0 | — |
| AMERICAN CENTURY | 43-1646043 | KANSIS CITY, MO | INVESTMENT PROVIDER | $0 | — |
| FIDELITY INVESTMENTS | 04-2466841 | COVINGTON, KY | INVESTMENT PROVIDER | $0 | — |
| FIDELITY INVESTMENTS | 04-3365630 | COVINGTON, KY | INVESTMENT PROVIDER | $0 | — |
| MFS INVESTMENT MANAGEMENT | 04-6382595 | BOSTON, MA | INVESTMENT PROVIDER | $0 | — |
| ALLSPRING GLOBAL INVESTMENT | 84-6615098 | CHARLOTTE, NC | INVESTMENT PROVIDER | $0 | — |
| ALLIANCE BERNSTEIN | 13-4064930 | NASHVILLE, TN | INVESTMENT PROVIDER | $0 | — |
| TCW INVESTMENT MGMT CO. | 45-3369486 | LOS ANGELES, CA | INVESTMENT PROVIDER | $0 | — |
| VICTORY CAPITAL MANAGEMENT INC | 13-2700161 | COLUMBUS, OH | NVESTMENT PROVIDER | $0 | — |
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.