Filings through .
3 of 17 flags tripped on the 2025 filing.
Low fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Low returns
Annual investment return is in the bottom quintile of the peer cohort.
High retiree %
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
This section compares the plan with plans of the same size, type and industry, and shows how it moved year over year.
We rank each metric against plans of the same size, type and industry.
Peer percentiles for 6 metrics are on Pro. Pro is free for 7 days and then costs $49 a month.
Showing the 2025 filing, 1 of 10 years on record. Charts need 3 years.
Older filings: assets, participants, contributions and return for each year are on Pro.
9 more years of history are on Pro. Pro is free for 7 days and then costs $49 a month.
$400K in admin expenses, $1679 per participant (all participants, line 6f).
This section lists the funds on the plan's investment schedule and what changed since the prior filing.
20 funds of $250K or more; 38 lines in all, holding $15.7M of the plan's $27.9M. Recordkeeper: Morgan Stanley.
| Fund | Dollars | % of funds% |
|---|---|---|
| iShares Core S&P U.S. Growth ETF BlackRock · ETF | $1.2M | 7.6% |
| Breit CL S Manager not matched · Mutual fund | $1.2M | 7.5% |
| Ishares Russell BlackRock · ETF Index | $1.1M | 7.2% |
| Ishares Preferred & Income S BlackRock · ETF | $1.1M | 6.9% |
| Ishares Russell Midcap G ETF BlackRock · ETF | $948K | 6.0% |
| Kkr Credit Opportunities U KKR · Mutual fund | $838K | 5.3% |
| iShares Core S&P U.S. Value ETF BlackRock · ETF | $752K | 4.8% |
| Starwood REIT CL S Manager not matched · Mutual fund | $729K | 4.6% |
| GQG Partners Emerging Markets Equity Fund Institutional Shares GQG Partners · Mutual fund | $710K | 4.5% |
| iShares MSCI EAFE ETF BlackRock · ETF | $676K | 4.3% |
| Fund | Manager | Vehicle | Dollars | % of funds |
|---|---|---|---|---|
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro | ||
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro | ||
| Name available on Pro | Dollar amount available on Pro | Percentage available on Pro |
28 more funds in this lineup: name, manager, vehicle, dollars and share are on Pro.
28 more lines in this lineup are on Pro. Pro is free for 7 days and then costs $49 a month.
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.
This section shows who is paid to serve the plan, who audits it and who signs the filing.
Top 7 by compensation.
| Provider | Compensation |
|---|---|
Filed as: MORGAN STANLEY SMITH BARNEY, LLC Service code 19 · EIN 11-3658445 2330 W JOPPA ROAD STE 255 · LUTHERVILLE, MD 21093 Securities Custodian | $272,022 |
FRANK GORDON GERWIG & ASSOCIATES10+ years Service code 14 · EIN 52-1777375 122 SOUTH CENTRE STREET · CUMBERLAND, MD 21502 Plan Administrator | $42,350 |
TURNBULL, HOOVER, & KAHL, P.A.10+ years Filed as: TURNBULL, HOOVER & KAHL PA Service code 10 · EIN 52-1518807 217 GLENN ST. SUITE 200 · CUMBERLAND, MD 21502 Accounting | $29,750 |
CBIZ INVESTMENT ADVISORY SERVICES10+ years Filed as: CBIZ BENEFITS AND INSURANCE SERVICE Service code 11 · EIN 52-0807416 44 BALTIMORE STREET · CUMBERLAND, MD 21502 Actuarial | $18,575 |
BEINS, AXELROD P.C.10+ years Service code 29 · EIN 52-1713905 2832 RITTENHOUSE ST. NW · WASHINGTON, DC 20015 Legal | $15,040 |
GQG PARTNERS LLC1 year Filed as: GQG PARTNERS Service code 49 · EIN 23-2177800 Other Services | $0 |
KKR PRISMA4 years Filed as: KKR FUNDS Service code 49 555 CALIFORNIA ST. · SAN FRANCISCO, CA 94104 Other Services | $0 |
The auditor signed off without reservation. This is the cleanest opinion.
1 row: defaulted loans (Part 1), defaulted leases (Part 2) and non-exempt transactions (Part 3). Any row warrants fiduciary review.
| Counterparty | Category | Relationship and terms |
|---|---|---|
Plumbers Local 489 Part 3 Non-exempt transaction | Non-exempt transaction |
Relationship, terms, address and dollar amount for each transaction are on Pro.
Amounts and terms are on Pro. Pro is free for 7 days and then costs $49 a month.
Plan features from the filing, actuarial disclosures and related pages.
1 feature code on the 2025 filing.
1 actuary attachment on this filing.
| Actuary | Schedule | Enrollment number |
|---|---|---|
Anthony Bertolotti Keystone 74 Benefits and Admin Schedule MB | Schedule MB |
Enrollment number, address and phone for each actuary are on Pro.
Addresses, phones and enrollment numbers are on Pro. Pro is free for 7 days and then costs $49 a month.
4 contacts
Phone and email for the actuary are on Pro.
10 filings · 2016 to 2025