Plumbers Local No 98 Defined Contribution Pension Plan

• Opportunity

  Low participant contribution

  Participant contribution per participant is in the bottom quintile of the peer cohort.

  Schedule H, line 2a(1)(B)
• Opportunity

  Possible retail share class: $451K

  Mutual funds in a class the filing names that is often retail or revenue sharing. Confirm before you raise it.

  Schedule H, line 4i
• Opportunity

  Few collective trusts

  0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.

  Schedule H, line 4i
• Informational

  High retiree %

  Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.

  Lines 6b, 6e and 6f

Industry

23 - Construction

Plan type

Defined contribution

Participants

250-999

Cohort

1,601 peers

Snapshot

2025

Target-date series: Vanguard Target Retirement, mutual fund, 34% of fund dollars

Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.

• 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.