Retirement plan

BRIDGE, STRUCT. & ORN. IRON WRKRS. LOCAL UNION NO.118 PROFIT SHARING P

Name: BRIDGE, STRUCTURAL & ORNAMENTAL IRON WORKERS LOCAL UNION NO.118 - BRIDGE, STRUCT. & ORN. IRON WRKRS. LOCAL UNION NO.118 PROFIT SHARING P (2025) Form 5500
Creator: BRIDGE, STRUCTURAL & ORNAMENTAL IRON WORKERS LOCAL UNION NO.118
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BRIDGE, STRUCT. & ORN. IRON WRKRS. LOCAL UNION NO.118 PROFIT SHARING P, BRIDGE, STRUCTURAL & ORNAMENTAL IRON WORKERS LOCAL UNION NO.118

BRIDGE, STRUCTURAL & ORNAMENTAL IRON WORKERS LOCAL UNION NO.118EIN 94-0340157Plan #001PY 2025

2840 EL CENTRO ROAD, #118 - SACRAMENTO, CA 95833916-646-6976LinkedIn1-10 employeestelecommunications

Prospect flagsHigh feesLow employer contribution

How to read this page

Total assets (EOY)

$418K

-23.4% from 2024

Total participants

0.0% from 2024

Average account balance

$59,652

-12.4% from 2024

Annual return

18.76%

-8.39 pp from 2024

Benchmarks

See 54,432 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants<25

Cohort54,432 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$418K

Not enough data

1 years with asset history on file

Average account balance

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

$60K

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.

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.

140.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$27K

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

+18.76%

Not enough data

1 years with return on file

Admin fee / account holder

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

$36744

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

0 years with F_SCH_H allocation on file

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J2R3D

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$257K

$51442 / participant

Other / not subdivided$257K100.0%

% of EOY assets

61.598%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$59,652

$72,071-17.2%

$68,368-12.7%

$137,256-56.5%

Participation rate

80.0%

76.2%+3.8pp

73.8%+6.2pp

80.0%0pp

Annual return

18.76%

353.14%-334.4pp

292.57%-273.8pp

220.34%-201.6pp

Employer contribution / active EE

$2,788-100.0%

$2,649-100.0%

$4,156-100.0%

Participant deferral / active EE

$5,483

$4,410+24.3%

$4,123+33.0%

$6,407-14.4%

Admin fee / account holder

$36,744

$5,336+588.7%

$5,150+613.5%

$12,270+199.5%

BRIDGE, STRUCT. & ORN. IRON WRKRS. LOCAL UNION NO.118 PROFIT SHARING P

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BRIDGE, STRUCT. & ORN. IRON WRKRS. LOCAL UNION NO.118 PROFIT SHARING P

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