MCLACHLAN v. INTERNATIONAL UNION OF ELEVATOR CONSTRUCTORS

CourtDistrict Court, E.D. Pennsylvania
DecidedApril 15, 2025
Docket2:22-cv-04115
StatusUnknown

This text of MCLACHLAN v. INTERNATIONAL UNION OF ELEVATOR CONSTRUCTORS (MCLACHLAN v. INTERNATIONAL UNION OF ELEVATOR CONSTRUCTORS) is published on Counsel Stack Legal Research, covering District Court, E.D. Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
MCLACHLAN v. INTERNATIONAL UNION OF ELEVATOR CONSTRUCTORS, (E.D. Pa. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA BRADLEY J. MCLACHLAN & ALEX D. CIVIL ACTION GRAHAM, individually and on behalf of all NO. 22-4115 others similarly situated, Plaintiffs, v. THE BOARD OF TRUSTEES OF THE ELEVATOR CONSTTRUCTORS ANNUITY AND 401(K) RETIREMENT PLAN et al., Defendants. MEMORANDUM RE: FINAL APPROVAL, FEES, AND EXPENSES Baylson, J. April 15, 2025 In this class action, two participants in a multi-employer retirement plan allege that the plan’s Trustees breached their fiduciary duties under ERISA by retaining more expensive and underperforming funds, failing to monitor excessive record keeping and administrative fees and costs, and failing to monitor investment management fees. Before this Court are Plaintiffs’ Unopposed Motion for Final Approval, ECF 80, and Motion for Attorneys’ Fees, ECF 81. For the reasons discussed below, Plaintiffs’ Motion for Final Approval is GRANTED and Plaintiffs’ Motion for Attorneys’ Fees, Litigation Expenses, and Incentive Awards is GRANTED in part and DENIED in part. I. FACTUAL ALLEGATIONS A. The Plan Plaintiffs participate in the Elevator Constructors Annuity and 401(k) Retirement Plan (“Plan”), a multiemployer contribution plan. Am. Compl. ¶¶ 20, 22, 34, ECF 15. As of December 31, 2020, the Plan had $1,585,494,544.00 in assets under management. Id. ¶ 44. B. The Trustees The Plan is sponsored by the Board of Trustees of the Elevator Constructors Annuity and 401(k) Retirement Plan (“Trustees”). Am. Compl, ECF 15. The Trustees were Plan fiduciaries. Id. ¶ 24. Plaintiffs allege that the Trustees were obligated to ensure the investments available to Plan participants are appropriate, had no more expense than reasonable and performed well as compared to their peers and that the Plan paid a fair price for the Plan’s recordkeeping and

administration (“RKA”) services. Id. ¶ 22. C. The Named Plaintiffs Plaintiffs participated in the Plan and invested in options offered by it, and now allege that they were subject to the excessive RKA costs. Id. ¶¶ 18, 19. Plaintiffs allege they overpaid for RKA costs, was subject to underperforming and excessively expensive investments, and had to pay his share of consulting fees to maintain these non-preferred investments. Id. D. Purported Breaches Of Fiduciary Duties i. The Plan’s Recording Keeping And Administrative (“RKA”) Costs RKA service fees include the “the suite of administrative services typically provided to a defined contribution plan by the plan’s ‘recordkeeper.’” Id. ¶ 65. The Plan’s Recordkeeper, provided services1 for the Plan, which paid RKA fees collected per participant. Id. Plaintiffs allege that the Trustees were required to ensure that the Plan paid a fair price for the Plan’s RKA services and must remain informed about the trends regarding fees paid by other

1 Plaintiffs allege that there are two types of essential RKA services provided to entities like the Plan. According to Plaintiffs, first, an overall suite of RKA services is provided as part of a “bundled” fee, including recording keeping, transaction processing, administrative services, communications, service documents, and compliance support. Am. Compl. ¶ 66, ECF 15. These bundled services are offered for a standard price. Id. Second, “a la carte” require additional fees based on the conduct of individual participants and the usage of the services by individual participants. Id. ¶ 68. Mass Mutual allegedly provided both services to the Plan. Id. ¶¶ 70, 80. Plans. Id. ¶¶ 22, 90. But, Plaintiffs allege the Plan charged RKA fees that were well above industry standard and that the Trustees could have obtained services that were comparable or superior to the typical services provided by the recordkeeper at a lower cost. Id. ¶¶ 77–79, 91.2 ii. The Plan’s Investment Offerings Plaintiffs allege that the Plan had a total cost that was more than 160% higher than the median for similar plans. Id. ¶ 57. Plaintiffs allege that the Trustees breached their fiduciary duties

by failing to replace higher cost and underperforming funds, which had near-identical lower cost alternatives and/or were better-performing. Id. ¶¶ 92, 94–95. Plaintiffs allege that the Trustees failed to monitor investment management fees for the Plan’s investments, resulting in funds being more expensive and worse performing than comparable funds. Id. ¶ 52. iii. The Plan’s Target Date Funds The Plan offers the T.Rowe Price Retirement target date funds. Id. ¶¶ 103, 105. The T.Rowe Price Target date funds exist in several share classes: Investor Class, Advisor Class, and collective investment trust (CIT). Id. ¶ 105. Plaintiffs allege that the Plan offered only the more expensive Advisor Class funds, which had expense ratios around .9%. Id. In 2019, Plaintiffs allege that the Plan began offering the Investor Class funds, which had expense ratios around .5%, which was still not the best choice. Id. ¶¶ 105–06. Plaintiffs assert that the Plan could have

qualified for a lower-cost CIT version of the T. Rowe Price funds, resulting in more savings. Id. iv. The Plan’s Insurance Annuities Investments Plaintiffs allege that the Plan breached its fiduciary duties by allocation a disproportionately large portion of its substantial assets (around 69%) to high-cost, opaque

2 For example, RKAs fees allegedly ranged from $95.76 to $125.88 per participant, id. ¶ 78, whereas other plans’ participants pay less (e.g., $14 to $30 per participant), id. ¶¶ 83–84, 86. insurance-based annuity products. Id. ¶ 107. Plaintiffs allege the Plan could have accessed lower- cost investments and that its failure to do so disadvantaged Plan participants. Id. ¶ 110. II. PROCEDURAL HISTORY On October 13, 2022, Plaintiffs filed a Complaint alleging breach of fiduciary duties and

failure to adequately monitor other fiduciaries. ECF 1. On December 6, 2022, Plaintiffs filed an Amended Complaint. ECF 15. On January 20, 2024, the Trustees moved to dismiss Plaintiffs’ First Amended Complaint. ECF 17. This Court denied the Motion to Dismiss. ECF 35. On November 17, 2023, the Court stayed the case pending mediation and subsequently extended the stay. ECF 53, 56, 63, 64. On August 22, 2024, Plaintiffs filed an unopposed Motion for Preliminary Approval of a Class Action Settlement, Approval of the Form and Manner of Class Notice, and to Schedule a Fairness Hearing. ECF 65. On November 26, 2024, the Court preliminarily approved the Settlement in this Action which provides for the creation of a $5,000,000 Settlement Fund, conditionally certified a Settlement Class, and appointed Class Representatives and Class Counsel. ECF 78. On February 24, 2025, Plaintiffs filed an Unopposed

Motion for Final Approval of Class Action Settlement, ECF 80, and Motion for Attorneys’ Fees, ECF 81. On April 10, 2025, this Court held a hearing to determine the fairness of the Settlement and the subjects of these Motion. ECF 86. III. THE SETTLEMENT AGREEMENT A. The Class Plaintiff proposes a class of “[a]ll persons who have been participants, beneficiaries and alternate payees of the Plan from October 13, 2016[,] through the date of the Preliminary Approval Order, except for past and present members of the Board from October 13, 2016 through the date of the Preliminary Approval Order,” which is November 26, 2024. Mot. for Final Approval at 4– 5, ECF 80-1; Settlement Ag. at § 1.49, ECF 82-1. The Class Period is October 13, 2016, through November 26, 2024. Mot. for Final Approval at 4, ECF 80-1. B. The Terms i. Settlement Fund Under the Settlement, the Trustees will pay $5,000,000.00 (“Settlement Fund”) to be allocated to participants on a pro-rata basis in exchange for releases and dismissal of this action. Id. The Settlement Fund will be used to pay recoveries, administrative expenses, attorneys’ fees and costs, and Class Representative compensation. Id.

ii.

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