Retirement plan

PLUMBERS' RETIREMENT SAVINGS FUND, LOCAL 130, U.A.

Name: BOARD OF TRUSTEES FOR THE PLUMBER'S RETIREMENT SAVINGS FUND, LOCAL 130 - PLUMBERS' RETIREMENT SAVINGS FUND, LOCAL 130, U.A. (2025) Form 5500
Creator: BOARD OF TRUSTEES FOR THE PLUMBER'S RETIREMENT SAVINGS FUND, LOCAL 130
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PLUMBERS' RETIREMENT SAVINGS FUND, LOCAL 130, U.A., BOARD OF TRUSTEES FOR THE PLUMBER'S RETIREMENT SAVINGS FUND, LOCAL 130

BOARD OF TRUSTEES FOR THE PLUMBER'S RETIREMENT SAVINGS FUND, LOCAL 130EIN 86-0928669Plan #003PY 2025

1340 W. WASHINGTON BLVD - CHICAGO, IL 60607312-226-5000

Prospect flagsLow participant contributionFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$523.2M

+16.7% from 2024

Total participants

6,239

+1.3% from 2024

Average account balance

$98,097

+15.2% from 2024

Annual return

15.29%

+2.64 pp from 2024

Benchmarks

See 158 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants5,000-9,999

Cohort158 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$523.25M

Not enough data

1 years with asset history on file

Average account balance

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

$98K

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.

5,334

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.

84.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$30.89M

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

+15.29%

Not enough data

1 years with return on file

Admin fee / account holder

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

$123

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 9 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 15 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping	$196,109
LEGACY PROFESSIONALS LLP11+ years Service code 10 · EIN 32-0043599	Accounting	$52,124
GREGORIO MARCO2 years Filed as: GREGORIO, STEC, KLEIN & HOSE LLC Service code 29 · EIN 99-0408958	Legal	$43,719
JOSEPH W. MCCARTHY & ASSOCIATES8 years Filed as: JOSEPH OHM Service code 14 · EIN 86-0928669	Plan Administrator	$40,836
DENISE DELHAYE11+ years Service code 30 · EIN 86-0928669	Employee (plan)	$38,965
MARQUETTE ASSOCIATES1 year Service code 27 · EIN 36-3485298	Advisory (Plan)	$25,000
LANER MUCHIN9 years Filed as: LANER MUCHIN LTD. Service code 29 · EIN 36-3088463	Legal	$17,679
BRIDGEWAY BENEFIT TECHNOLOGIES4 years Filed as: BRIDGEWAY BENEFIT TECHNOLOGIES LLC Service code 15 · EIN 52-1796473	Recordkeeping	$17,016
AMALGAMATED BANK3 years Filed as: AMALGAMATED BANK OF CHICAGO Service code 19 · EIN 36-0721895	Securities Custodian	$2,702

Plan features & details

Pension benefit codes2E2F2G2J2T

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.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.

Opportunity flags

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$655K

$111 / participant

Recordkeeping$196K30.0%
Investment mgmt$25K3.8%
Legal$34K5.1%
Other / not subdivided$400K61.1%

% of EOY assets

0.125%

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: LEGACY PROFESSIONALS LLP
Auditor EIN: 320043599
Audit fees: $21,000
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$98,097

$126,505-22.5%

$107,187-8.5%

$126,505-22.5%

Participation rate

84.7%

81.0%+3.6pp

75.0%+9.6pp

81.0%+3.6pp

Annual return

15.29%

14.86%+0.4pp

204.55%-189.3pp

14.86%+0.4pp

Employer contribution / active EE

$4,545

$4,041+12.5%

$3,782+20.2%

$4,041+12.5%

Participant deferral / active EE

$689

$6,313-89.1%

$5,096-86.5%

$6,313-89.1%

Admin fee / account holder

$123

$145-15.6%

$9,162-98.7%

$145-15.6%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 15

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping

$196,109

LEGACY PROFESSIONALS LLP11+ years

Service code 10 · EIN 32-0043599

Accounting

$52,124

GREGORIO MARCO2 years

Filed as: GREGORIO, STEC, KLEIN & HOSE LLC

Service code 29 · EIN 99-0408958

Legal

$43,719

JOSEPH W. MCCARTHY & ASSOCIATES8 years

Filed as: JOSEPH OHM

Service code 14 · EIN 86-0928669

Plan Administrator

$40,836

DENISE DELHAYE11+ years

Service code 30 · EIN 86-0928669

Employee (plan)

$38,965

MARQUETTE ASSOCIATES1 year

Service code 27 · EIN 36-3485298

Advisory (Plan)

$25,000

LANER MUCHIN9 years

Filed as: LANER MUCHIN LTD.

Service code 29 · EIN 36-3088463

Legal

$17,679

BRIDGEWAY BENEFIT TECHNOLOGIES4 years

Filed as: BRIDGEWAY BENEFIT TECHNOLOGIES LLC

Service code 15 · EIN 52-1796473

Recordkeeping

$17,016

AMALGAMATED BANK3 years

Filed as: AMALGAMATED BANK OF CHICAGO

Service code 19 · EIN 36-0721895

Securities Custodian

$2,702

PLUMBERS' RETIREMENT SAVINGS FUND, LOCAL 130, U.A.

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PLUMBERS' RETIREMENT SAVINGS FUND, LOCAL 130, U.A.

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