# St. Louis Painters Pension Plan

St. Louis Painters Pension Plan is a Pension Fund based in Maryland Heights, United States.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** Maryland Heights, United States
- **Region:** North America
- **Address:** Maryland Heights, MO, United States
- **Assets under management:** Undisclosed

## Regulatory record

- **Reports private funds:** No

## About

The St. Louis Painters Pension Plan is a multiemployer defined-benefit pension fund serving union-affiliated painters, drywall finishers, and decorators in the greater St. Louis area. It operates under Taft-Hartley trust law, governed by a joint board of labor and management trustees. Employer contributions are negotiated as hourly amounts in collective bargaining agreements with the local painting contractors' association. The fund's investment strategy adheres to the prudent-person standard and ERISA guidelines, seeking long-term actuarial returns to meet future retiree liabilities. Asset allocation, while not publicly disclosed in detail, typically spans domestic and international equities, fixed income, and real assets, often accessed through institutional commingled vehicles and separate-account mandates. The plan's geographic focus for benefit recipients is concentrated in Missouri and adjacent Illinois counties, anchored by the St. Louis metropolitan area building trades. The benefit office in Maryland Heights, Missouri, administers the pension plan alongside companion funds including the St. Louis Painters Welfare Fund and Vacation Fund, creating an integrated benefits delivery system for plan participants. The office handles participant communications, retiree payouts, and day-to-day trust operations. The plan's multiemployer architecture is its defining structural feature. Unlike corporate single-employer pensions, multiemployer plans pool risk across hundreds of small signatory contractors, insulating participants if any single employer folds. This mutualization — backed by the Pension Benefit Guaranty Corporation's multiemployer program — creates a sector-wide retirement backstop that no individual painting contractor could sustain alone.

## Questions

### How is the St. Louis Painters Pension Plan funded?

Funding comes from employer contributions negotiated into collective bargaining agreements with the local painting contractors. Contributions are set as a dollar amount per hour worked by covered employees. These hourly contributions are paid into the trust by signatory contractors, not deducted from employee wages.

### What is the plan's current funded status?

The plan's funded status is reported annually on IRS Form 5500 and in funding notices sent to participants. As a multiemployer plan in the building trades, it has faced the same demographic pressure as peers — an aging participant base with a declining ratio of active contributors to retirees. Current funded percentage is not publicly disclosed on the benefit office website.

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Last updated: 2026-08-10T19:36:47.593Z

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