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Original filing (PDF)20260106074507NAL0006877089001
PLUMBERS AND PIPEFITTERS LOCAL UNION NO. 45 RETIREMENT PLAN
Form 5500
FILING_RECEIVED
PLUMBERS AND PIPEFITTERS LOCAL UNION NO. 45 RETIREMENT PLAN
Defined-benefit pension plan
Signals · 2
~79 bps in Sched C feesNo recordkeeper disclosed
Active participants
151
Accounts w/ balance
—
Plan assets (EOY)
$17.4M
Net assets (EOY)
$17.4M
How this plan invests
This plan
71 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 79 bps in Schedule C fees — 174% 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 PLUMBERS AND PIPEFITTERS LOCAL UNION NO. 45 RETIREMENT PLAN.
Plan sponsor
Name
PLUMBERS AND PIPEFITTERS LOCAL UNION NO. 45 RETIREMENT PLAN
DBA
BOARD OF TRUSTEES
EIN
51-0165113
Address
2329 SOUTH 22ND STREET · ST. JOSEPH, MO · 64503
Phone
(816) 279-5534
Industry
Plumbing, Heating, AC Contractors· Constructionsee all
Plan administrator
Name
PLUMBERS AND PIPEFITTERS LOCAL UNION NO. 45 RETIREMENT PLAN
EIN
51-0165113
City
ST. JOSEPH, MO
Phone
(816) 279-5534
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-04-01
Tax period
2025-03-31
Filed
2026-01-06
Pension benefit codes
1B · Flat-dollar DB formula
Audit & trust (Schedule H)
Auditor
DEBOER & ASSOCIATES, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMERCE BANK | 48-0962626 | KANSAS CITY, MO | — | $87K | — |
| THE COTTONWOOD GROUP | 20-5250908 | — | — | $31K | — |
| DEBOER & ASSOCIATES, PC | 47-0836395 | OMAHA, NE | — | $20K | — |
Investments
71 direct securities· $17.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Commerce Bond Fund #333 | — | — | $2.5M | $2.3M | 13.4% | |
| Baird Aggregate Bond Fund-Is | — | — | $1.9M | $1.8M | 10.6% | |
| Fidelity 500 Index Fund-Ai | — | — | $1.2M | $1.2M | 6.8% | |
| Dodge & Cox Income Fund | — | — | $904K | $856K | 4.9% | |
| Apple Inc | — | — | $123K | $646K | 3.7% | |
| JP Morgan Hedged Equity Fund - R6 | — | — | $450K | $541K | 3.1% | |
| Microsoft Corp | — | — | $119K | $527K | 3.0% | |
| Blackrock Systematic Multi-Strategy Fund K | — | — | $521K | $522K | 3.0% | |
| Nvidia Corp | — | — | $115K | $457K | 2.6% | |
| Financial Square Tr Government Institutional Class | — | — | $379K | $379K | 2.2% | |
| Amazon Com Inc | — | — | $101K | $313K | 1.8% | |
| iShares US Treasury Bond ETF | — | — | $314K | $306K | 1.8% | |
| Broadcom Inc | — | — | $90K | $252K | 1.4% | |
| Alphabet Inc Class A | — | — | $155K | $233K | 1.3% | |
| Meta Platforms Inc | — | — | $201K | $225K | 1.3% | |
| JP Morgan Chase & Co | — | — | $93K | $220K | 1.3% | |
| Materials Select Sector SPDR Fund | — | — | $184K | $210K | 1.2% | |
| T-Mobile US Inc | — | — | $88K | $204K | 1.2% | |
| Alphabet Inc Class C | — | — | $56K | $172K | 1.0% | |
| Fidelity Small Cap Value Index Fund | — | — | $119K | $164K | 0.9% | |
| Fidelity New Markets Income Fund Z | — | — | $161K | $162K | 0.9% | |
| Pimco Emerging Markets Bond Fund Ins | — | — | $161K | $161K | 0.9% | |
| Republic Services Inc | — | — | $102K | $156K | 0.9% | |
| Capital One Financial Corp | — | — | $109K | $153K | 0.9% | |
| Fiserv Inc | — | — | $66K | $152K | 0.9% | |
| Morgan Stanley Dean Witter & Co | — | — | $95K | $152K | 0.9% | |
| Johnson and Johnson | — | — | $131K | $151K | 0.9% | |
| Visa Inc Class A Shares | — | — | $47K | $151K | 0.9% | |
| Procter & Gamble Co | — | — | $89K | $148K | 0.9% | |
| McDonalds Corp | — | — | $81K | $145K | 0.8% | |
| Clearbridge Small Cap Growth Fund Is | — | — | $136K | $144K | 0.8% | |
| Exxon Mobil Corp | — | — | $88K | $144K | 0.8% | |
| First Citizens Bancshares Inc | — | — | $138K | $139K | 0.8% | |
| Royal Caribbean Group | — | — | $95K | $139K | 0.8% | |
| American Electric Power Inc | — | — | $115K | $138K | 0.8% | |
| Cbre Group Inc | — | — | $134K | $131K | 0.8% | |
| Parker-Hannifin CP | — | — | $68K | $131K | 0.8% | |
| Motorola Solutions Inc | — | — | $39K | $129K | 0.7% | |
| Stryker Corp | — | — | $77K | $121K | 0.7% | |
| Salesforce Inc | — | — | $121K | $121K | 0.7% | |
| Nextera Energy Inc | — | — | $93K | $120K | 0.7% | |
| McKesson Corp | — | — | $54K | $118K | 0.7% | |
| Elevance Health Inc | — | — | $120K | $117K | 0.7% | |
| Arch Capital Group Limited | — | — | $73K | $116K | 0.7% | |
| Texas Instruments Inc | — | — | $74K | $113K | 0.6% | |
| Amgen Inc | — | — | $96K | $112K | 0.6% | |
| Prologis Inc | — | — | $117K | $110K | 0.6% | |
| Te Connectivity LTD | — | — | $106K | $109K | 0.6% | |
| Uber Technologies Inc | — | — | $48K | $103K | 0.6% | |
| Ptc Inc | — | — | $126K | $103K | 0.6% | |
| Skechers USA Inc-Cl A | — | — | $108K | $101K | 0.6% | |
| US Foods Holding Corp | — | — | $109K | $100K | 0.6% | |
| Chubb LTD | — | — | $66K | $95K | 0.5% | |
| Lilly Eli &Co | — | — | $86K | $95K | 0.5% | |
| PepsiCo Inc | — | — | $73K | $93K | 0.5% | |
| Valvoline Inc | — | — | $62K | $92K | 0.5% | |
| Northrop Grumman Corp | — | — | $83K | $92K | 0.5% | |
| Booking Holdings Inc | — | — | $49K | $92K | 0.5% | |
| Builders Firstcourse Inc | — | — | $58K | $87K | 0.5% | |
| Regal Rexnord Corporation | — | — | $67K | $87K | 0.5% | |
| Merck & Co Inc | — | — | $101K | $86K | 0.5% | |
| Union Pacific Corp | — | — | $43K | $85K | 0.5% | |
| Lowes Companies Inc | — | — | $30K | $84K | 0.5% | |
| Blackstone Inc | — | — | $108K | $84K | 0.5% | |
| iShares Biotechnology ETF | — | — | $70K | $83K | 0.5% | |
| Nvent Electric PLC ADR | — | — | $52K | $75K | 0.4% | |
| Toast Inc | — | — | $92K | $75K | 0.4% | |
| Danaher Corp | — | — | $29K | $73K | 0.4% | |
| Thermo Fisher Corp | — | — | $28K | $72K | 0.4% | |
| Servicenow Inc | — | — | $51K | $68K | 0.4% | |
| Cash-in-transit | — | — | $45K | $45K | 0.3% |
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