Board Of Trustees Iuoe Local 478 Annuity Fund 401(k) Plan: Login, Facts & Contact Information

Board Of Trustees Iuoe Local 478 Annuity Fund 401(k) Plan Facts

Plan name
IUOE LOCAL 478 ANNUITY FUND
Plan type
401(k) and profit sharing
Plan sponsor
BOARD OF TRUSTEES IUOE LOCAL 478 ANNUITY FUND
Participants
5,317 (3,617 active employees)
Former employees with a balance
285
Plan assets
$377,321,362 at Dec 31, 2024
Average account balance
$97,980 across 3,851 accounts
Employer contributions
$17,179,695 in plan year 2024 (83% of all contributions)
Recordkeeper
Empower Annuity Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 26, 1988
— Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Sep 19, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $20.8 million went into the plan in contributions, $17.2 million of it from the employer (83%).
  • $26.8 million was paid out to participants.
  • Investment and other income added $44.0 million.
  • Administrative expenses were $1.08 million, about $282 per account.

How the Board Of Trustees Iuoe Local 478 Annuity Fund 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20194,209$263.5 million$11.6 million$13.3 million
20204,401$301.2 million$11.2 million$18.5 million
20214,541$344.3 million$11.7 million$15.6 million
20224,749$297.1 million$13.6 million$16.1 million
20235,110$340.4 million$15.5 million$21.6 million
20245,317$377.3 million$17.2 million$26.8 million

Board Of Trustees Iuoe Local 478 Annuity Fund 401(k) Contact Information

Phone
203-288-9261
Mailing address
1965 DIXWELL AVENUE, HAMDEN CT 065142400
Plan sponsor
BOARD OF TRUSTEES IUOE LOCAL 478 ANNUITY FUND
Employer identification number (EIN)
06-1230516
Plan number
001

Questions about the Board Of Trustees Iuoe Local 478 Annuity Fund 401(k)

Does Board Of Trustees Iuoe Local 478 Annuity Fund contribute to the 401(k)?

The plan does not report an employer matching arrangement on its Form 5500. It did report $17.2 million in employer contributions for plan year 2024.

Does the Board Of Trustees Iuoe Local 478 Annuity Fund 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Board Of Trustees Iuoe Local 478 Annuity Fund 401(k) plan?

5,317 participants at the start of plan year 2024, 3,617 of them active employees, and 285 former employees who still had money in the plan.

What is the average 401(k) balance at Board Of Trustees Iuoe Local 478 Annuity Fund?

About $97,980 per account: $377.3 million in plan assets across 3,851 accounts with a balance at the end of plan year 2024.

Who manages the Board Of Trustees Iuoe Local 478 Annuity Fund 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Board Of Trustees Iuoe Local 478 Annuity Fund. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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