Plan Snapshot
- Plan Sponsor: Plumbers & Pipefitters Local No 104 Union
- Sponsor EIN: 042746381
- Sponsor Address: 86 LOWER WESTFIELD RD, HOLYOKE, MA, 010402712
- Plan Type: DB
- Total Participants: 303
- Total Assets: $116.5M
Key Plan Design Features
- Auto-Enrollment: No
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: No
- ERISA Section 404(c) Fiduciary Safe Harbor: No
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 303 | $116.5M | $5.5M | $0 |
| 2023 | 299 | $108.4M | $5.2M | $0 |
| 2022 | 280 | $101.2M | $5.1M | $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 |
|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AME | MANAGEMENT FEES | $43,963 | $38,375 | $82,338 |
| CBIZ RPS | ACTUARY | $33,025 | — | $33,025 |
| CARLEY GUILBERT | PLAN ADMINISTRATOR | $19,616 | — | $19,616 |
| LAPIER, DILLON & ASSOCIATES PC | AUDITORS | $16,981 | — | $16,981 |
| KRAKOW SOURIS AND LANDRY | LEGAL COUNSEL | $15,600 | — | $15,600 |
| BARBARA WILLET | ADMINISTRATIVE ASSISTANT | $7,886 | — | $7,886 |
| EMPOWER ANNUITY INS. CO. | CONTRACT CHARGES / INV. MANAGEMENT FEES | $5,899 | — | $5,899 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- PRUDENTIAL INSURANCE COMPANY OF AME — MANAGEMENT FEES
- LAPIER, DILLON & ASSOCIATES PC — AUDITORS
- KRAKOW SOURIS AND LANDRY — LEGAL COUNSEL
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $181,345
- Estimated Expense Ratio: 0.156% 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 | $613,308 | $442,760 | — | $16,981 | — |
| 2023 | $995,218 | $402,192 | — | $22,646 | — |
| 2022 | $564,228 | $401,121 | — | — | $58,419 |