Original filing (PDF)20260209120019NAL0001071907002

Plumbers & Steamfitters Local 489 Pension Trust Fund Trustees

Name: Plumbers & Steamfitters Local 489 Pension Trust Fund Trustees — Form 5500 Plan 001 (2024)
Creator: Plumbers & Steamfitters Local 489 Pension Trust Fund Trustees
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Retirement Plan of the Plumbers & Steamfitters Local No 489

Defined-benefit pension plan · Plumbers & Steamfitters Local 489 Pension Trust Fund Trustees' Retirement Plan of the Plumbers & Steamfitters Local No 489 held $27.9M in plan assets for 114 participants in 2024.

Signals · 6

Non-exempt prohibited transactionPossibly inadequate fidelity bond39% employer stock~136 bps in Sched C feesNo recordkeeper disclosed7 service providers

Active participants

114

Accounts w/ balance

—

Plan assets (EOY)

$27.9M

Net assets (EOY)

$27.9M

People on this filing

Bernard B. KAHL, CPA signed Plumbers & Steamfitters Local 489 Pension Trust Fund Trustees' 2024 Form 5500 as plan administrator.

Bernard B. KAHL, CPA — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Plumbers & Steamfitters Local 489 Pension Trust Fund Trustees' EIN is 52-0580681.

EIN 52-0580681

Plan number 001

Plan year 2024

ACK ID 20260209120019NAL0001071907002

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Plumbers & Steamfitters Local 489 Pension Trust Fund Trustees from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for PLUMBERS & STEAMFITTERS LOCAL 489 PENSION TRUST FUND TRUSTEES.

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How this plan invests

This plan

537 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Non-exempt prohibited transaction reported (Schedule G).
Holds assets with an undetermined value.
Fidelity bond appears below the 10%-of-assets requirement.
Total administrative cost in the bottom quartile of peers (3rd percentile).

Plan sponsor

Name

PLUMBERS & STEAMFITTERS LOCAL 489 PENSION TRUST FUND TRUSTEES

EIN

all filings

Address

2 PARK STREET · CUMBERLAND, MD · 21502

Phone

(301) 722-8515

Industry

Plumbing, Heating, AC Contractors· Construction

Plan administrator

Name

FRANK GORDON GERWIG & ASSOCIATES

EIN

52-1777375

City

CUMBERLAND, MD

Phone

(301) 777-7875

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-05-01

Tax period

2025-04-30

Filed

2026-02-09

Pension benefit codes

1B · Flat-dollar DB formula

Audit & trust (Schedule H)

Auditor

TURNBULL, HOOVER, & KAHL, P.A.

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

7 rows

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
MORGAN STANLEY SMITH BARNEY, LLC	11-3658445	LUTHERVILLE, MD	NONE	$272K	—
FRANK GORDON GERWIG & ASSOCIATES	52-1777375	CUMBERLAND, MD	NONE	$42K	—
TURNBULL, HOOVER & KAHL PA	52-1518807	CUMBERLAND, MD	NONE	$30K	—

Investments

537 direct securities· $26.4M(95% of reported assets)

Other securities

$11.7M

21 holdings

Common Stocks

$9.9M

354 holdings

Bonds / Notes

$1.9M

142 holdings

Mutual Funds

$1.1M

5 holdings

Common Collective Trusts

$1.1M

1 holding

Cash / Money Market

$290K

3 holdings

U.S. Treasuries

$268K

10 holdings

Agency / Mortgage-Backed

$12K

Fund families in this plan

Detected from the parsed Schedule of Assets. Click a family to see every plan that holds it — ranked by position size.

BlackRock / iShares$8.2M Vanguard$1.0M Morgan Stanley$460K JPMorgan$165K Wells Fargo / Allspring$121K Fidelity$56K State Street / SPDR$50K Goldman Sachs$45K Schwab$35K

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					% of plan
ISHARES CORE S&P U.S. GROWTH EXCHANGE TRADED FUNDS	Other securities	—	—	$1.2M	4.3%
BREIT CL S HEDGE FUND	Other securities	—	—	$1.2M	4.2%
ISHARES RUSSELL 1000 GRW ETF EXCHANGE TRADED FUNDS	Common Collective Trusts	—	—	$1.1M	4.0%
ISHARES PREFERRED & INCOME S EXCHANGE TRADED FUNDS	Other securities	—	—	$1.1M	3.9%
ISHARES RUSSELL MIDCAP G ETF EXCHANGE TRADED FUNDS	Other securities	—	—	$948K	3.4%
KKR CREDIT OPPORTUNITIES U MUTUAL FUND	Other securities	—	—	$838K	3.0%
ISHARES CORE S&P U.S. VALUE EXCHANGE TRADED FUNDS	Other securities	—	—	$752K	2.7%
STARWOOD REIT CL S HEDGE FUND	Common Stocks	—	—	$729K	2.6%
GQG PARTNERS EMRG MKTS EQ INS MUTUAL FUND	Other securities	—	—	$710K	2.5%
ISHARES MSCI EAFE ETF EXCHANGE TRADED FUNDS	Other securities	—	—	$676K	2.4%
ISHARES RUSSELL MIDCAP V ETF EXCHANGE TRADED FUNDS	Other securities	—	—	$659K	2.4%
ISHARES CORE MSCI EAFE ETF EXCHANGE TRADED FUNDS	Other securities	—	—	$630K	2.3%
OAKTREE STRATEGIC CF-S HEDGE FUND	Other securities	—	—	$624K	2.2%
ISHARES CORE U.S. AGGREGATE EXCHANGE TRADED FUNDS	Other securities	—	—	$617K	2.2%
VANGUARD FTSE EMERGING MARKETS EXCHANGE TRADED FUNDS	Mutual Funds	—	—	$597K	2.1%
AIP ALT LENDING PLACEMENT ESC HEDGE FUND	Other securities	—	—	$581K	2.1%
OAKTREE SPECIALTY LENDING CORP EXCHANGE TRADED FUNDS	Common Stocks	—	—	$507K	1.8%
BUSINESS DEVELOPMENT COMPANIES CARLYLE CREDIT SOLUTIONS PRIVATE EQUITY	Other securities	—	—	$479K	1.7%
REGISTERED INVESTMENT COMPANIES ISHARES CORE HIGH DIVIDEND ETF EXCHANGE TRADED FUNDS	Other securities	—	—	$457K	1.6%
VANGUARD TOTAL BOND MARKET EXCHANGE TRADED FUNDS	Mutual Funds	—	—	$451K	1.6%
MICROSOFT CORP COMMON STOCK	Common Stocks	—	—	$408K	1.5%
NVIDIA CORPORATION COMMON STOCK	Common Stocks	—	—	$254K	0.9%
MORGAN STANLEY PRIVATE BANK NA MONEY MARKET, 0.01%	Cash / Money Market	—	—	$249K	0.9%
APPLE INC COMMON STOCK	Common Stocks	—	—	$209K	0.7%
ALPHABET INC CL C COMMON STOCK	Common Stocks	—	—	$209K	0.7%
FEDERATED HERMES MTG STRATEGY MUTUAL FUND	Other securities	—	—	$204K	0.7%
AMAZON COM INC COMMON STOCK	Common Stocks	—	—	$189K	0.7%
META PLATFORMS INC CL A COMMON STOCK	Common Stocks	—	—	$148K	0.5%
VISA INC CL A COMMON STOCK	Common Stocks	—	—	$120K	0.4%
PARKER HANNIFIN CORP COMMON STOCK	Common Stocks	—	—	$114K	0.4%
VERIZON COMMUNICATIONS COMMON STOCK	Common Stocks	—	—	$105K	0.4%
BROADCOM INC COMMON STOCK	Common Stocks	—	—	$100K	0.4%
COCA COLA CO COMMON STOCK	Common Stocks	—	—	$93K	0.3%
MASTERCARD INC CL A COMMON STOCK	Common Stocks	—	—	$92K	0.3%
PROCTOR & GAMBLE COMMON STOCK	Common Stocks	—	—	$88K	0.3%
ELI LILLY & CO COMMON STOCK	Common Stocks	—	—	$88K	0.3%
UNITED STATES TREASURY NOTE 08/15/2034, 3.875% Coupon Rate, $75,000 Face Value	U.S. Treasuries	—	—	$74K	0.3%
UNITED STATES TREASURY NOTE 02/15/2035, 4.625% Coupon Rate, $66,000 Face Value	U.S. Treasuries	—	—	$69K	0.2%
MERCK & CO INC NEW COM COMMON STOCK	Common Stocks	—	—	$67K	0.2%
JOHNSON & JOHNSON COMMON STOCK	Common Stocks	—	—	$63K	0.2%
CARVANA CO CL A COMMON STOCK	Common Stocks	—	—	$62K	0.2%
AMERIPRISE FINCL INC COMMON STOCK	Common Stocks	—	—	$61K	0.2%
CORTEVA INC COMMON STOCK	Common Stocks	—	—	$61K	0.2%
ALCON INC COMMON STOCK	Common Stocks	—	—	$60K	0.2%
WELLS FARGO 7.5% PREFERRED STOCK	Bonds / Notes	—	—	$59K	0.2%
PHILIP MORRIS INTL INC COMMON STOCK	Common Stocks	—	—	$59K	0.2%
JPMORGAN CHASE & CO COMMON STOCK	Common Stocks	—	—	$57K	0.2%
SONY GROUP CORPORATION ADR COMMON STOCK	Common Stocks	—	—	$57K	0.2%
NETFLIX INC COMMON STOCK	Common Stocks	—	—	$57K	0.2%
FIDELITY NATL INFORMATION SE COMMON STOCK	Mutual Funds	—	—	$56K	0.2%

1–50 of 537

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