# Plumbers And Pipefitters Local Union No. 45 Retirement Plan DB Plan
Source: https://planprovider.pro/companies/plumbers-and-pipefitters-local-union-no-45-retirement-plan-plan

> Plumbers And Pipefitters Local Union No. 45 Retirement Plan's DB plan: 151 participants, plan year 2025 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2025.

## Plan Snapshot

- **Plan Sponsor:** Plumbers And Pipefitters Local Union No. 45 Retirement Plan

- **Sponsor EIN:** 510165113

- **Sponsor Address:** 2329 SOUTH 22ND STREET, ST. JOSEPH, MO, 64503

- **Plan Type:** DB

- **Total Participants:** 151

- **Total Assets:** $17.4M

## 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.|

| 2025|151|$17.4M|$0|$0|

| 2024|148|$16.4M|$0|$0|

| 2023|134|$14.4M|$0|$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|

| DEBOER & ASSOCIATES, PC|Auditor|$18,500|—|$18,500|

### Verified Provider Profiles

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

- [DEBOER & ASSOCIATES, PC](https://planprovider.pro/provider/deboer-and-associates-pc) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $18,500

- **Estimated Expense Ratio:** 0.106% 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|

| 2025|$154,634|$87,242|$2,723|$18,500|—|

| 2024|$128,299|$74,009|$2,700|$18,000|—|

| 2023|$121,772|$71,903|—|—|$39,739|

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