Plan Ledger DOL Form 5500 · updated monthly

Joint Board of Trustees of the Ua Local 190 Defined Contribution Plan401(k)

UA LOCAL 190 DEFINED CONTRIBUTION PLAN · TROY, MI · plan year 2024

Reported admin expense ratio · 2024
0.21%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

Joint Board of Trustees of the Ua Local 190 Defined Contribution Plan reported $137,208 in plan administrative expenses for 2024: 0.21% of average plan assets, above the peer median. Employer contributions averaged $1,352 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio has held roughly steady near 0.21%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other construction employers. By assets it is the 397th-largest of 2,619 plans among Michigan employers on file, and the 836th of 5,337 in construction. In 2024, employees put in $2.02 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$69,081,569
Participants with balances1,960
Active participants1,283
Employer contributions$1,734,045
Employee contributions$3,509,679
Employer contribution per active participant$1,352
Average account balance$35,246
Benefits paid to participants$4,309,526
Plan auditUnmodified (clean) audit opinion
AuditorBENNETT & ASSOCIATES CPAS PLLC
Plan history3
Yearassets · accounts · employer contribution
2024$69.1M · 1,960 accts · $1.7M emplr
2023$62.8M · 1,904 accts · $1.3M emplr
2022$50.8M · 1,848 accts · $980K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$54,911
Investment management$12,500
Audit (IQPA)$18,214
Trustee / custodial$19,807
Total administrative$137,208
The Joint Board of Trustees of the Ua Local 190 Defined Contribution Plan 401(k) match · 2024
Employer contribution per active participant$1,352
Median for plans this size$3,635
2024$1,352 per active participant
2023$1,061 per active participant
2022$813 per active participant

Joint Board of Trustees of the Ua Local 190 Defined Contribution Plan's 2024 employer contribution ran below the $3,635 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20248
TIC MIDWEST, LLC · Accounting / audit · Claims processing$34,047
EMPOWER ANNUITY INSURANCE CO OF AME · Recordkeeping · Custodial (securities)$19,807
BENESYS, INC · Accounting / audit · Claims processing$14,726
BENNETT & ASSOCIATES CPAS PLLC · Accounting / audit$18,214
NOVARA TESIJA CATENACCI MCDONALD & · Legal$12,576
SEGAL ADVISORS, INC · Investment advisory (plan)$12,500
FERGUSON WIDMAYER & CLARK PC · Legal$7,780
UA LOCAL 190 · Claims processing · Contract administrator$6,708

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year2
2024BENESYS, INC, Empower, TIC MIDWEST, LLC
2023Empower, TIC INTERNATIONAL CORPORATION

This plan has changed recordkeepers within these filings. If you left Joint Board of Trustees of the Ua Local 190 Defined Contribution Plan before a switch, your account may sit at the earlier firm or in a rollover IRA. Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$137,208 · 0.21%
2023$116,326 · 0.20%
2022$107,501 · 0.22%
Similar plansConstruction · Michigan
Edward Rose & Sons MI$75.3M · 0.26%
Bierlein Companies, Inc. MI$65.2M · 0.01%

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Source: U.S. Department of Labor, Form 5500 series, EIN 383316535 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.