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Original filing (PDF)20251014134518NAL0004124032001
UNION JOINTS LLC
Form 5500
FILING_RECEIVED
UNION JOINTS MULTIPLE EMPLOYER PLAN
401(k) retirement plan
Signals · 2
27% in single holding7 service providers
Active participants
546
Accounts w/ balance
144
Plan assets (EOY)
$9.3M
Net assets (EOY)
$9.3M
How this plan invests
This plan
12 pooled trusts
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
100
Vendor stack
100
Participation health
65
Knocking points off
- Top holding "Principal Global Investors Trust Co Collective TrustPrin Lifetime Hyb 2025 Cit Z30 339 * Principal Global Investors Trust Co Collective TrustPrin Lifetime Hyb 2030 Cit Z30" is 27% of plan.
- Only 26% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UNION JOINTS LLC.
Plan sponsor
Name
UNION JOINTS LLC
EIN
45-4376515
Address
90 N. MAIN ST. · CLARKSTON, MI · 48346
Phone
(248) 795-2483
Industry
All Other Professional Services· Professional & Technical Servicessee 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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
SHINDEL ROCK & ASSOCIATES
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4156830 | COLUMBUS, OH | RECORDKEEPER | $4K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PROACCOUNT | 73-0988442 | COLUMBUS, OH | INVESTMENT ADVISORY | $4K | — |
| STIFEL NICOLAUS & CO INC | 43-0538770 | ST. LOUIS, MO | RIA | $0 | — |
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $43K | — |
| THE BENEFIT ADVANTAGE | 38-3254950 | AUBURN HILLS, MI | TPA | $4K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
18 direct securities · 12 pooled funds· $9.3M(100% 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.
Common Collective Trust
$7.8M
12 holdings
Uncategorized
$1.5M
18 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYB 2030 CIT Z30 PRINCIPAL GLBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $2.5M | 26.7% | |
| PRIN LIFETIME HYB 2040 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $1.4M | 15.1% | |
| PRIN LIFETIME HYB 2045 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $1.2M | 12.4% | |
| PRIN LIFETIME HYB 2035 CIT Z30 PRINCIPAL GLBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $1.0M | 10.8% | |
| PRIN LIFETIME HYB 2050 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $823K | 8.8% | |
| PRIN LIFETIME HYB 2060 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $469K | 5.0% | |
| PRIN LIFETIME HYB 2055 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $447K | 4.8% | |
| Principal Funds Inc Registered Investment Company | — | — | — | $434K | 4.7% | |
| Participant Loans Interest Rate Range 4.25% to 9.50% $0 | — | — | — | $176K | 1.9% | |
| BlackRock Registered Investment Company | — | — | — | $166K | 1.8% | |
| The American Funds Registered Investment Company | — | — | — | $148K | 1.6% | |
| Loomis Sayles Registered Investment Company | — | — | — | $82K | 0.9% | |
| Franklin Templeton Investments Registered Investment Company | — | — | — | $66K | 0.7% | |
| American Funds Service Company Registered Investment Company | — | — | — | $57K | 0.6% | |
| Principal Funds Inc PRIN MIDCAP S&P 400 IDX R3 FD Registered Investment Company | — | — | — | $57K | 0.6% | |
| Principal Funds Inc Prin Smcap S&P 600 Idx R3 Fund Registered Investment Company | — | — | — | $52K | 0.6% | |
| Federated Securities Corporation Registered Investment Company | — | — | — | $44K | 0.5% | |
| Fidelity Investments Registered Investment Company | — | — | — | $42K | 0.4% | |
| Principal Funds Inc Prin Real Estate Secs R3 Fund Registered Investment Company | — | — | — | $38K | 0.4% | |
| JP Morgan Funds Registered Investment Company | — | — | — | $33K | 0.4% | |
| Alliance Bernstein Registered Investment Company $461 Alliance Bernstein Registered Investment Company | — | — | — | $26K | 0.3% | |
| Hartford Mutual Funds Registered Investment Company | — | — | — | $26K | 0.3% | |
| PRIN LIFETIME HYB 2065 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $19K | 0.2% | |
| PRIN LIFETIME HYB 2070 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $17K | 0.2% | |
| Principal Funds Inc Principal Bond Mkt Index R3 Fd Registered Investment Company | — | — | — | $17K | 0.2% | |
| PRIN LIFETEIME HYB 2020 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $8K | <0.1% | |
| American Funds Service Company Registered Investment Company | — | — | — | $7K | <0.1% | |
| Allianz Global Virtus Nfj Mid-Cap Val I Fd Registered Investment Company | — | — | — | $1K | <0.1% | |
| PRIN LIFETIME HYB INC CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $926 | <0.1% | |
| PRIN LIFETIME HYB 2025 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $339 | <0.1% |