# Plumbers & Pipefitters Local No 104 Union DB Plan
Source: https://planprovider.pro/companies/plumbers-and-pipefitters-local-104-union-plan

> Plumbers & Pipefitters Local No 104 Union's DB plan: 303 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## 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](https://planprovider.pro/provider/empower) — MANAGEMENT FEES

- [LAPIER, DILLON & ASSOCIATES PC](https://planprovider.pro/provider/lapier-dillon-and-associates-pc) — AUDITORS

- [KRAKOW SOURIS AND LANDRY](https://planprovider.pro/provider/transamerica) — 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|

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