Retirement plan

WESTERN STATES CARPENTERS TRAINING FUND EMPLOYEE SAVINGS TRUST

Name: WESTERN STATES CARPENTERS TRAINING FUND - WESTERN STATES CARPENTERS TRAINING FUND EMPLOYEE SAVINGS TRUST (2025) Form 5500
Creator: WESTERN STATES CARPENTERS TRAINING FUND
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, WESTERN STATES CARPENTERS TRAINING FUND EMPLOYEE SAVINGS TRUST, WESTERN STATES CARPENTERS TRAINING FUND

WESTERN STATES CARPENTERS TRAINING FUNDEIN 95-2106266Plan #001PY 2025

533 S. FREMONT AVE. - LOS ANGELES, CA 900711706213-739-9315

Prospect flagsLow employer contribution

How to read this page

Total assets (EOY)

$6.7M

+22.4% from 2024

Total participants

166

+2.5% from 2024

Average account balance

$42,984

+15.4% from 2024

Annual return

16.68%

+6.67 pp from 2024

Benchmarks

See 2,035 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort2,035 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$6.75M

Not enough data

1 years with asset history on file

Average account balance

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

$43K

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.

157

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.

93.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$918K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+16.68%

Not enough data

1 years with return on file

Admin fee / account holder

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

$115

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 1 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL8 years Service code 37 · EIN 04-2647786	Loan Processing	$18,103

Plan features & details

Pension benefit codes2E2F2G2J2T3D

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.
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

1 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$18K

$124 / participant

Recordkeeping$18K98.3%
Contract admin$3001.7%

% of EOY assets

0.268%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CALIBRE CPA GROUP
Auditor EIN: 470900880
Audit fees: $0
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$42,984

$88,360-51.4%

$145,433-70.4%

$67,986-36.8%

Participation rate

93.8%

65.5%+28.4pp

82.1%+11.7pp

57.2%+36.6pp

Annual return

16.68%

63.15%-46.5pp

66.58%-49.9pp

31.67%-15.0pp

Employer contribution / active EE

$3,054-100.0%

$4,554-100.0%

$2,019-100.0%

Participant deferral / active EE

$6,287

$5,932+6.0%

$7,897-20.4%

$3,358+87.2%

Admin fee / account holder

$115

$3,313-96.5%

$13,129-99.1%

$3,203-96.4%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL8 years

Service code 37 · EIN 04-2647786

Loan Processing

$18,103

WESTERN STATES CARPENTERS TRAINING FUND EMPLOYEE SAVINGS TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

WESTERN STATES CARPENTERS TRAINING FUND EMPLOYEE SAVINGS TRUST

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