# Plumbers & Pipefitters Local No.45 Union No. 45 Retirement Plan DC Plan
Source: https://planprovider.pro/companies/plumbers-pipefitters-local-no-45-union-no-45-retirement-plan-510165113-002

> Plumbers & Pipefitters Local No.45 Union No. 45 Retirement Plan's DC plan: 195 participants, plan year 2024 financials, providers, and benchmarks from Form 5…

Form 5500 filing data for plan year 2024.

## 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](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:** $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|

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