Plan Snapshot
- Plan Sponsor: Plumbers & Pipefitters Local No.45 Union No. 45 Retirement Plan
- Sponsor EIN: 510165113
- Sponsor Address: 2329 SOUTH 22ND STREET, ST. JOSEPH, MO, 64503
- Plan Type: DC
- Plan Number: 002
- Total Participants: 195
- Total Assets: $12.2M
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 | 195 | $12.2M | $1.6M | $0 |
| 2023 | 165 | $10.5M | $1.2M | $0 |
| 2022 | 159 | $8.2M | $917,938 | $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 ANNUITY INSURANCE CO OF AM | Other Service Provider | $46,763 | — | $46,763 |
| COMMERCE BANK | Other Service Provider | $34,082 | — | $34,082 |
| DEBOER & ASSOCIATES, PC | Auditor | $12,060 | — | $12,060 |
| BLAKE & UHLIG | Other Service Provider | $7,667 | — | $7,667 |
| COTTONWOOD ADVISORS, LLC | Other Service Provider | $5,848 | — | $5,848 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- DEBOER & ASSOCIATES, PC — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $106,420
- Estimated Expense Ratio: 0.871% 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 | $112,851 | $34,082 | $8,098 | $10,500 | — |
| 2023 | $88,148 | $28,043 | $8,098 | $10,000 | — |
| 2022 | $80,580 | $22,623 | — | — | $13,535 |