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Original filing (PDF)20260106080008NAL0002530563001
PLUMBERS & PIPEFITTERS LOCAL NO.45 UNION NO. 45 RETIREMENT PLAN
Form 5500
FILING_RECEIVED
PLUMBERS & PIPEFITTERS LOCAL NO. 45 RETIREMENT SAVINGS PLAN
Defined-contribution retirement plan
Signals · 3
26% in single holding~87 bps in Sched C feesNo recordkeeper disclosed
Active participants
195
Accounts w/ balance
195
Plan assets (EOY)
$12.2M
Net assets (EOY)
$12.2M
How this plan invests
This plan
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "T. Rowe Price Retirement 2045 I" is 26% of plan.
- 87 bps in Schedule C fees — 200% 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 & PIPEFITTERS LOCAL NO.45 UNION NO. 45 RETIREMENT PLAN.
Plan sponsor
Name
PLUMBERS & PIPEFITTERS LOCAL NO.45 UNION NO. 45 RETIREMENT PLAN
DBA
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 & PIPEFITTERS LOCAL NO.45 RETIREMENT SAVINGS PLAN BOARD OF
EIN
51-0165113
City
ST. JOSEPH, MO
Phone
(816) 279-5534
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-04-01
Tax period
2025-03-31
Filed
2026-01-06
Pension benefit codes
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
DEBOER & ASSOCIATES, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO OF AM | — | GREENWOOD VILLAGE, CO | — | $47K | — |
| COMMERCE BANK | 48-0962626 | KANSAS CITY, MO | — | $34K | — |
| DEBOER & ASSOCIATES, PC | 47-0836395 | — | — | $12K | — |
| BLAKE & UHLIG | 48-0918231 | OVERLAND PARK, KS | — | $8K | — |
| COTTONWOOD ADVISORS, LLC | 20-4591722 | — | — | $6K | — |
Investments
22 direct securities· $12.0M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Retirement 2045 I | — | — | — | $3.1M | 25.7% | |
| T. Rowe Price Retirement 2040 I | — | — | — | $2.2M | 17.8% | |
| T. Rowe Price Retirement 2035 I | — | — | — | $1.6M | 13.4% | |
| T. Rowe Price Retirement 2055 I | — | — | — | $1.3M | 10.6% | |
| T. Rowe Price Retirement 2060 I | — | — | — | $960K | 7.9% | |
| T. Rowe Price Retirement 2050 I | — | — | — | $733K | 6.0% | |
| T. Rowe Price Retirement 2015 I | — | — | — | $465K | 3.8% | |
| T. Rowe Price Retirement 2030 I | — | — | — | $447K | 3.7% | |
| Vanguard Total Stock Market Index (Admiral) | — | — | — | $249K | 2.0% | |
| T. Rowe Price Retirement 2025 I | — | — | — | $209K | 1.7% | |
| T. Rowe Price Growth Stock | — | — | — | $186K | 1.5% | |
| Key Guaranteed Portfolio Fund | — | — | — | $156K | 1.3% | |
| T. Rowe Price Retirement 2020 I | — | — | — | $149K | 1.2% | |
| MFS Research International R6 | — | — | — | $69K | 0.6% | |
| DFA US Large Value | — | — | — | $48K | 0.4% | |
| DFA US Targeted Value I | — | — | — | $43K | 0.4% | |
| Fidelity Mid Cap Growth Index | — | — | — | $32K | 0.3% | |
| T. Rowe Price Government Money | — | — | — | $15K | 0.1% | |
| MFS Mid Cap Value R6 | — | — | — | $9K | <0.1% | |
| JPMorgan Core Plus Bond R6 | — | — | — | $7K | <0.1% | |
| Fidelity Short-Term Bond Index | — | — | — | $3K | <0.1% | |
| T. Rowe Price Government Money I | — | — | — | $1K | <0.1% |
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