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Original filing (PDF)20260127084217NAL0002254145001
BOARD OF TRUSTEES OF THE UGSAO RETIREMENT PLAN
Form 5500
FILING_RECEIVED
UGSOA RETIREMENT PLAN
401(k) retirement plan
Signals · 5
Late filing · 2.4 mo67% in single holding~121 bps in Sched C feesNo recordkeeper disclosed7 service providers
Active participants
2,443
Accounts w/ balance
2,040
Plan assets (EOY)
$29.5M
Net assets (EOY)
$29.5M
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)
81
/ 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
90
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Filed 2.4 months past the 10.5-month grace window.
- Top holding "PRIN SAM STRAT GROWTH SA-Z" is 67% of plan.
- 121 bps in Schedule C fees — 316% 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 BOARD OF TRUSTEES OF THE UGSAO RETIREMENT PLAN.
Plan sponsor
Name
BOARD OF TRUSTEES OF THE UGSAO RETIREMENT PLAN
EIN
46-4857037
Address
2879 CRANBERRY HIGHWAY · EAST WAREHAM, MA · 025381327
Phone
(774) 678-0936
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
2026-01-27
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)
Audit & trust (Schedule H)
Auditor
NEEDLES & ASSOCIATES, LLC.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MATRIX | 75-3182674 | — | CUSTODIAN | $9K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL NETWORK | 04-2675571 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $191K | — |
| PENTEGRA SERVICES INC. | 13-3745616 | — | PLAN ADMINISTRATOR | $102K | — |
| ORENDA RETIREMENT LLC | 03-6877979 | — | CONTRACT ADMINISTRATOR | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEEDLES & ASSOCIATES LLC | 51-0435869 | — | ACCOUNTANT | $10K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NORUS ADVISORS | 80-0717897 | — | NONE | $44K | — |
Investments
24 direct securities · 12 pooled funds· $29.3M(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.
Pooled Separate Account
$20.7M
11 holdings
Uncategorized
$8.7M
24 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN SAM CONS BALANCED SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 106 | Pooled Separate Account | — | $0 | $18.9M | 63.9% | |
| Participant Loans | — | — | $0 | $2.9M | 10.0% | |
| VGD INTER-TERM INV-GRD ADM FD | — | — | $0 | $1.1M | 3.8% | |
| VANGUARD GROWTH INDEX ADM FUND | — | — | $0 | $736K | 2.5% | |
| VANGUARD HI DIV YLD IDX ADM FD | — | — | $0 | $393K | 1.3% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $381K | 1.3% | |
| PRIN SAM CONS BALANCED SA-Z | — | — | $0 | $381K | 1.3% | |
| VANGUARD MIDCAP VAL IDX ADM FD | — | — | $0 | $373K | 1.3% | |
| PRIN SAM BALANCED SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 105 | Pooled Separate Account | — | $0 | $373K | 1.3% | |
| PRIN MIDCAP S&P 400 IDX SA-Z | — | — | $0 | $358K | 1.2% | |
| PRIN BLUE CHIP SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 133 | Pooled Separate Account | — | — | $358K | 1.2% | |
| PRIN SAM BALANCED SEP ACCT-Z | — | — | $0 | $333K | 1.1% | |
| VANGUARD TTL BD MKT IDX ADM FD | — | — | $0 | $253K | 0.9% | |
| VANGUARD DEV MKTS INDEX ADM FD | — | — | $0 | $222K | 0.8% | |
| VANGUARD 500 INDEX ADMIRAL FD | — | — | $0 | $217K | 0.7% | |
| PRIN REAL ESTATE SECS SA-Z | — | — | $0 | $216K | 0.7% | |
| PRIN CORE PLUS BOND SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 005 | Pooled Separate Account | — | — | $216K | 0.7% | |
| VANGUARD SM CAP VAL IDX ADM FD | — | — | $0 | $216K | 0.7% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | $0 | $172K | 0.6% | |
| VANGUARD EMG MK STK IDX ADM FD | — | — | $0 | $166K | 0.6% | |
| PUTNAM SM CAP GROWTH R6 FUND | — | — | $0 | $149K | 0.5% | |
| PRIN HIGH YIELD SEP ACCT-Z | — | — | $0 | $148K | 0.5% | |
| PRIN SAM FLEXIBLE INCOME SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 108 | Pooled Separate Account | — | $0 | $118K | 0.4% | |
| VANGUARD VALUE INDEX ADM FUND | — | — | $0 | $112K | 0.4% | |
| PRIN HIGH YIELD SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 137 | Pooled Separate Account | — | — | $92K | 0.3% | |
| MFS INTL DIVERSIFICATION R6 FD | — | — | $0 | $92K | 0.3% | |
| JP MORGAN MID CAP GROWTH R6 FD | — | — | $0 | $59K | 0.2% | |
| BNY MELLON NAT RESOURCES Y FD | — | — | $0 | $43K | 0.1% | |
| PRIN FIXED INC GUAR OPTION | — | — | $0 | $43K | 0.1% | |
| PRIN SAM STRAT GROWTH SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 109 | Pooled Separate Account | — | — | $43K | 0.1% | |
| PRIN SAM CONS GROWTH SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 107 | Pooled Separate Account | — | — | $31K | 0.1% | |
| PRIN CORE PLUS BOND SEP ACCT-Z | — | — | $0 | $31K | 0.1% | |
| MACQUARIE GLOBAL BOND R6 FUND | — | — | $0 | $23K | <0.1% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $14K | <0.1% | |
| PRIN BLUE CHIP SA-Z | — | — | $0 | $14K | <0.1% | |
| TRANSFER BUSINESS TRANSFER BUSINESS · EIN 64-6846464 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |