Original filing (PDF)20260127084217NAL0002254145001

BOARD OF TRUSTEES OF THE UGSAO RETIREMENT PLAN

Name: BOARD OF TRUSTEES OF THE UGSAO RETIREMENT PLAN — UGSOA RETIREMENT PLAN, Form 5500 (2024)
Creator: 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)

/ 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

Concentration risk

Total plan cost

Vendor stack

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 rows

Custodian

Name	EIN	Location	Relation	Direct comp	Indirect comp
MATRIX	75-3182674	—	CUSTODIAN	$9K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
COMMONWEALTH FINANCIAL NETWORK	04-2675571	—	INVESTMENT ADVISORY	$0	—

TPA / Administrator

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

Name	EIN	Location	Relation	Direct comp	Indirect comp
NEEDLES & ASSOCIATES LLC	51-0435869	—	ACCOUNTANT	$10K	—

Other

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

1 holding

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%