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Original filing (PDF)20251215164918NAL0000810835001
TRUSTEES-TEAMSTERS LOCAL NO. 455 HEALTH AND WELFARE FUND
Form 5500
FILING_RECEIVED
TEAMSTERS LOCAL NO. 455 HEALTH AND WELFARE FUND
Health & welfare plan
Signals · 5
1 failed disclosure31% in single holding~465 bps in Sched C feesNo recordkeeper disclosed6 service providers
Active participants
279
Accounts w/ balance
—
Plan assets (EOY)
$11.2M
Net assets (EOY)
$9.3M
How this plan invests
This plan
11 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
82
/ 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
85
Concentration risk
84
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- Top holding "s American Balanced Fund Income Class F2" is 31% of plan.
- 465 bps in Schedule C fees — 1504% 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 TRUSTEES-TEAMSTERS LOCAL NO. 455 HEALTH AND WELFARE FUND.
Plan sponsor
Name
TRUSTEES-TEAMSTERS LOCAL NO. 455 HEALTH AND WELFARE FUND
EIN
84-6030963
Address
5511 W 56TH AVE · SUITE 250 · ARVADA, CO · 80002
Phone
(303) 430-1118
Industry
Transportation & Warehousingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-03-01
Tax period
2025-02-28
Filed
2025-12-15
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4E · Vision
4F · Temporary Disability (accident and sickness)
Audit & trust (Schedule H)
Auditor
NEEDLES & ASSOCIATES, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsOther
6| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. | 52-1590516 | — | NONE | $178K | — |
| CIGNA | 59-1031071 | — | NONE | $133K | — |
| WELLS FARGO ADVISORS | 34-1542819 | — | NONE | $71K | — |
| THE SEGAL COMPANY | 46-0619194 | — | NONE | $56K | — |
| SPENCER FANE LLP | 44-0561981 | — | NONE | $55K | — |
| NEEDLES & ASSOCIATES, LLC | 51-0435869 | — | NONE | $26K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| US BANK | NO REPLIES TO THE EMAIL SENT FOR REQUEST ON SCHEDULE C |
Investments
11 direct securities· $12.4M(100% of reported assets)
Uncategorized
$8.5M
10 holdings
Mutual Funds
$3.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Balanced Fund Income Class F2 | Mutual Funds | — | $3.2M | $3.9M | 34.8% | |
| Money market funds * Wells Fargo bank deposit sweep account | — | — | $1.6M | $1.6M | 14.3% | |
| asset6,197,6496,560 | — | — | $6.6M | $1.3M | 11.6% | |
| Blackrock Strategic Inc Opportunities CL | — | — | $1.2M | $1.2M | 10.7% | |
| Eaton Vance Global Return Fund | — | — | $1.0M | $1.0M | 9.2% | |
| Macquarie Limited-Term Diversified Income fund | — | — | $943K | $911K | 8.2% | |
| Pimco Real Return Bond Fund Institutional Class | — | — | $945K | $893K | 8.0% | |
| Lord Abbett Floating Rate Fund Class I | — | — | $834K | $796K | 7.1% | |
| (i) Net gain or date | — | — | — | $702K | 6.3% | |
| Wells Fargo standard bank deposit | — | — | $67K | $67K | 0.6% | |
| Fidelity Govt Portfolio Instl Class Shares | — | — | $1K | $1K | <0.1% |