Retirement plan

IRON WORKERS REGIONAL SHOP LOCAL UNION 855 INDIVIDUAL ACCOUNT RETIREMENT PLAN

Name: IRON WORKERS REGIONAL SHOP LOCAL UNION 855 - IRON WORKERS REGIONAL SHOP LOCAL UNION 855 INDIVIDUAL ACCOUNT RETIREMENT PLAN (2025) Form 5500
Creator: IRON WORKERS REGIONAL SHOP LOCAL UNION 855
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, IRON WORKERS REGIONAL SHOP LOCAL UNION 855 INDIVIDUAL ACCOUNT RETIREMENT PLAN, IRON WORKERS REGIONAL SHOP LOCAL UNION 855

IRON WORKERS REGIONAL SHOP LOCAL UNION 855dba INDIVIDUAL ACCOUNT RETIREMENT PLANEIN 94-0012049Plan #002PY 2025

131 N EL MOLINO AVENUE SUITE 330 - PASADENA, CA 91101626-792-7337

Other plans on this EIN

1 filing

#001Retirement-$77.2M assets

Prospect flagsLow assets / participantLow employer contributionLow participant contribution

How to read this page

Total assets (EOY)

$30.8M

+6.2% from 2024

Total participants

1,966

-1.4% from 2024

Average account balance

$15,665

+7.7% from 2024

Annual return

11.53%

-0.18 pp from 2024

Benchmarks

See 356 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants1,000-4,999

Cohort356 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$30.80M

Not enough data

1 years with asset history on file

Average account balance

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

$16K

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.

1,966

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

$505K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$269

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

+11.53%

Not enough data

1 years with return on file

Admin fee / account holder

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

$186

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 6 by compensation

Provider	Service type	Compensation
TRANSAMERICA RETIREMENT SOLUTIONS10+ years Service code 12 · EIN 13-3689044 6400 C STREET SW · CEDAR RAPIDS, IA 52499	Participant loan processing; Claims p...	$234,933
ALAN BILLER & ASSOCIATES4 years Filed as: ALAN D. BILLER & ASSOCIATES Service code 27 · EIN 94-2854958 535 MIDDLEFIELD ROAD 230 · MENLO PARK, CA 94025	Advisory (Plan)	$44,927
IRONWORKERS EMPLOYEE BENEFIT CORP.10+ years Filed as: IRONWORKERS EMPLOYEE BENEFIT CORP Service code 13 · EIN 95-3084599 131 N EL MOLINO AVENUE 330 · PASADENA, CA 91101	Contract Administrator	$30,000
SALTZMAN & JOHNSON9 years Service code 29 · EIN 94-2376174 7 W 41ST AVENUE SUITE 410 · SAN MATEO, CA 94403	Legal	$11,118
IRON MOUNTAIN1 year Service code 99 · EIN 23-2588479 1101 ENTERPRISE DRIVE · ROYERSFORD, PA 19468	Other Fees	$9,315
MCMENOMY & ASSOCIATES CPAS LLP3 years Service code 10 · EIN 46-1559312 876 N MOUNTAIN AVENUE SUITE 105 · UPLAND, CA 91786	Accounting	$9,000

Plan features & details

Pension benefit codes2F2G2J

Plan features

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

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$365K

$194 / participant

Recordkeeping$235K64.3%
Trustee / custodial$4K1.2%
Investment mgmt$45K12.3%
Legal$11K3.0%
Contract admin$30K8.2%
Other / not subdivided$40K11.0%

% of EOY assets

1.186%

all-in expense ratio

Categories reported

5 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: MCMENOMY & ASSOCIATES CPAS LLP
Auditor EIN: 461559312
Audit fees: $9,000
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$15,665

$85,660-81.7%

$140,514-88.9%

$85,660-81.7%

Participation rate

100.0%

74.8%+25.2pp

77.8%+22.2pp

74.8%+25.2pp

Annual return

11.53%

19.52%-8.0pp

14.36%-2.8pp

19.52%-8.0pp

Employer contribution / active EE

$188

$4,199-95.5%

$3,378-94.4%

$4,199-95.5%

Participant deferral / active EE

$81

$3,518-97.7%

$4,919-98.4%

$3,518-97.7%

Admin fee / account holder

$186

$224-17.0%

$13,697-98.6%

$224-17.0%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS10+ years

Service code 12 · EIN 13-3689044

6400 C STREET SW · CEDAR RAPIDS, IA 52499

Participant loan processing; Claims p...

$234,933

ALAN BILLER & ASSOCIATES4 years

Filed as: ALAN D. BILLER & ASSOCIATES

Service code 27 · EIN 94-2854958

535 MIDDLEFIELD ROAD 230 · MENLO PARK, CA 94025

Advisory (Plan)

$44,927

IRONWORKERS EMPLOYEE BENEFIT CORP.10+ years

Filed as: IRONWORKERS EMPLOYEE BENEFIT CORP

Service code 13 · EIN 95-3084599

131 N EL MOLINO AVENUE 330 · PASADENA, CA 91101

Contract Administrator

$30,000

SALTZMAN & JOHNSON9 years

Service code 29 · EIN 94-2376174

7 W 41ST AVENUE SUITE 410 · SAN MATEO, CA 94403

Legal

$11,118

IRON MOUNTAIN1 year

Service code 99 · EIN 23-2588479

1101 ENTERPRISE DRIVE · ROYERSFORD, PA 19468

Other Fees

$9,315

MCMENOMY & ASSOCIATES CPAS LLP3 years

Service code 10 · EIN 46-1559312

876 N MOUNTAIN AVENUE SUITE 105 · UPLAND, CA 91786

Accounting

$9,000

IRON WORKERS REGIONAL SHOP LOCAL UNION 855 INDIVIDUAL ACCOUNT RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

IRON WORKERS REGIONAL SHOP LOCAL UNION 855 INDIVIDUAL ACCOUNT RETIREMENT 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