# Board Of Trustees Bac Local 3 Ny Individual Account Retirement Fund DC Plan
Source: https://planprovider.pro/companies/board-of-trustees-bac-local-3-ny-individual-account-retirement-fund-plan

> Board Of Trustees Bac Local 3 Ny Individual Account Retirement Fund's DC plan: 3,146 participants, plan year 2024 financials, providers, and benchmarks from…

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Board Of Trustees Bac Local 3 Ny Individual Account Retirement Fund

- **Sponsor EIN:** 161184581

- **Sponsor Address:** 33 SAGINAW DRIVE, ROCHESTER, NY, 146233131

- **Plan Type:** DC

- **Total Participants:** 3,146

- **Total Assets:** $98.6M

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|3,146|$98.6M|$3.8M|$0|

| 2023|2,162|$95.3M|$3.5M|$0|

| 2022|2,186|$86.3M|$3.2M|$0|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| EMPOWER LIFE & ANNUITY INSURANCE|NONE|$348,677|—|$348,677|

| MORGAN STANLEY|NONE|$35,446|—|$35,446|

| ARCARA ZUCARELLI & LENDA CPA|NONE|$31,564|—|$31,564|

| BONADIO & CO., LLP|NONE|$25,883|—|$25,883|

| SLEVIN & HART, P.C.|NONE|$21,757|—|$21,757|

| DECUSOFT|NONE|$17,499|—|$17,499|

| BAC LOCAL 3 JOINT APPRENTICESHIP|RELATED BENEFIT FUND|$7,161|—|$7,161|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [MORGAN STANLEY](https://planprovider.pro/provider/jp-morgan-asset-management) — NONE

- [BONADIO & CO., LLP](https://planprovider.pro/provider/bonadio-and-co-llp) — NONE

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $487,987

- **Estimated Expense Ratio:** 0.495% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$346,555|$35,466|—|$25,883|—|

| 2023|$319,221|$35,334|—|$23,084|—|

| 2022|$258,334|$42,298|—|—|$55,226|

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