Retirement plan

IBEW LOCAL NO. 82 401 K PLAN

Name: IBEW LOCAL NO. 82 401 K PLAN ELECTRICAL WORKERS LOCAL NO. 82 - IBEW LOCAL NO. 82 401 K PLAN (2025) Form 5500
Creator: IBEW LOCAL NO. 82 401 K PLAN ELECTRICAL WORKERS LOCAL NO. 82
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, IBEW LOCAL NO. 82 401 K PLAN, IBEW LOCAL NO. 82 401 K PLAN ELECTRICAL WORKERS LOCAL NO. 82

IBEW LOCAL NO. 82 401 K PLAN ELECTRICAL WORKERS LOCAL NO. 82EIN 31-0329975Plan #003PY 2025

2 GATEWAY CENTER, 603 STANWIX ST., STE. 1500 - PITTSBURGH, PA 152221024397-264-2058

Prospect flagsHigh feesFailed to transmit contributions

How to read this page

Total assets (EOY)

$12.6M

+4.5% from 2024

Total participants

188

+4.4% from 2024

Average account balance

$66,884

+0.1% from 2024

Annual return

11.38%

-4.73 pp from 2024

Benchmarks

See 284 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort284 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$12.57M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$67K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

188

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$846K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+11.38%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$436

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 2 by compensation

Provider	Service type	Compensation
ZENITH AMERICAN SOLUTIONS8 years Filed as: ZENITH AMERICAN SOLUTIONS, INC. Service code 12 · EIN 52-1590516	Direct payment from the plan; Claims ...	$48,620
CLARK, SCHAEFER, HACKETT & CO.3 years Service code 10 · EIN 31-0800053	Accounting	$19,946

Plan features & details

Pension benefit codes2E2F2G2J

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$82K

$491 / participant

Investment mgmt$7K8.5%
Legal$2K2.6%
Contract admin$47K57.3%
Other / not subdivided$26K31.7%

% of EOY assets

0.652%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CLARK, SCHAEFER, HACKETT & CO.
Auditor EIN: 310800053
Audit fees: $19,946
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$66,884

$90,170-25.8%

$150,734-55.6%

$69,733-4.1%

Participation rate

100.0%

60.2%+39.8pp

78.4%+21.6pp

62.5%+37.5pp

Annual return

11.38%

16.56%-5.2pp

600.81%-589.4pp

15.22%-3.8pp

Employer contribution / active EE

$3,428-100.0%

$4,918-100.0%

$2,250-100.0%

Participant deferral / active EE

$5,064

$3,086+64.1%

$5,610-9.7%

$3,054+65.8%

Admin fee / account holder

$436

$4,600-90.5%

$14,905-97.1%

$3,102-85.9%

Provider

Service type

Compensation

ZENITH AMERICAN SOLUTIONS8 years

Filed as: ZENITH AMERICAN SOLUTIONS, INC.

Service code 12 · EIN 52-1590516

Direct payment from the plan; Claims ...

$48,620

CLARK, SCHAEFER, HACKETT & CO.3 years

Service code 10 · EIN 31-0800053

Accounting

$19,946

IBEW LOCAL NO. 82 401 K PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

IBEW LOCAL NO. 82 401 K PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion