Plan Snapshot
- Plan Sponsor: Board Of Trustees I.U.O.E. Local 4 Annuity Fund
- Sponsor EIN: 043002474
- Sponsor Address: 16 TROTTER DRIVE, MEDWAY, MA, 020532299
- Plan Type: DC
- Total Participants: 6,058
- Total Assets: $724.6M
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 | 6,058 | $724.6M | $20.9M | $9.9M |
| 2023 | 7,490 | $655.1M | $20.2M | $10.2M |
| 2022 | 6,814 | $578.8M | $20.2M | $9.5M |
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 |
|---|---|---|---|---|
| FIDELITY INV INSTL OPERATION CO. | Recordkeeper | $179,397 | — | $179,397 |
| VITECH SYSTEMS SUB, LLC | Other Service Provider | $113,476 | — | $113,476 |
| SEGAL MARCO ADVISORS | Other Service Provider | $59,000 | — | $59,000 |
| GREGORY A GEIMAN | Other Service Provider | $50,134 | — | $50,134 |
| LAW OFFICE OF KATHRYN S. SHEA | Other Service Provider | $49,862 | — | $49,862 |
| SCHULTHEIS & PANETTIERI, LLP | Auditor | $49,130 | — | $49,130 |
| CAP FINANCIALS PARTNERS | Other Service Provider | $45,833 | — | $45,833 |
| REBECCA ZACCARDI | Other Service Provider | $29,061 | — | $29,061 |
| VSG HOSTING SUB, LLC | Other Service Provider | $21,400 | — | $21,400 |
| 617 MEDIA GROUP | Other Service Provider | $20,630 | — | $20,630 |
| O'DONOGHUE & O' DONOGHUE | Other Service Provider | $20,449 | — | $20,449 |
| SEGAL SELECT INSURANCE SERVICES INC | Other Service Provider | — | $12,036 | $12,036 |
| CTS SERVICES INC. | Other Service Provider | $8,222 | — | $8,222 |
| CBIZ BENEFITS & INSURANCE SERVICES, | Other Service Provider | $7,687 | — | $7,687 |
| KROLL ASSOCIATES | Other Service Provider | $7,077 | — | $7,077 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- FIDELITY INV INSTL OPERATION CO. — Recordkeeper
- SCHULTHEIS & PANETTIERI, LLP — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $673,394
- Estimated Expense Ratio: 0.093% 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 | $1,180,614 | $59,000 | — | $49,130 | — |
| 2023 | $933,719 | $84,000 | — | $47,700 | — |
| 2022 | $993,079 | $114,476 | — | — | $231,213 |