# 1978 Retired Construction Workers Benefit Trust Health & Welfare Plan
Source: https://planprovider.pro/companies/1978-retired-construction-workers-benefit-trust-550583589-502

> 1978 Retired Construction Workers Benefit Trust's Health & Welfare plan: 593 participants, plan year 2024 financials, providers, and benchmarks from Form 550…

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** 1978 Retired Construction Workers Benefit Trust

- **Sponsor EIN:** 550583589

- **Sponsor Address:** 141 SUMMERS STREET, CHARLESTON, WV, 25301

- **Plan Type:** Health & Welfare

- **Plan Number:** 502

- **Total Participants:** 593

- **Total Assets:** $21.5M

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** No

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|593|$21.5M|$109,718|$5.4M|

| 2023|607|$18.7M|$120,161|$5.8M|

| 2022|632|$16.9M|$141,658|$6.0M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| THE HEALTH PLAN|Other Service Provider|$105,369|—|$105,369|

| SAV- RX|Other Service Provider|$46,195|—|$46,195|

| SLEVIN & HART, P.C.|ERISA Attorney|$44,391|—|$44,391|

| CALIBRE CPA GROUP, PLLC|Auditor|$27,157|—|$27,157|

| CENTURION INSURANCE SERVICES LLC|Other Service Provider|$19,302|—|$19,302|

| WILLIAM H. HOWE|Custodian / Trustee|$15,383|—|$15,383|

| FRED MARX|Other Service Provider|$15,284|—|$15,284|

| DONALD T. BARNETT|Custodian / Trustee|$15,000|—|$15,000|

| CHEIRON, INC.|Other Service Provider|$14,300|—|$14,300|

| MEDCOM|Other Service Provider|$8,900|—|$8,900|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [SLEVIN & HART, P.C.](https://planprovider.pro/provider/slevin-and-hart-pc) — ERISA Attorney

- [CALIBRE CPA GROUP, PLLC](https://planprovider.pro/provider/calibre-cpa-group-pllc) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $311,281

- **Estimated Expense Ratio:** 1.446% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$305,410|$1,900|$100,821|$27,157|—|

| 2023|$333,602|$3,200|$107,154|$25,884|—|

| 2022|$414,521|—|$117,515|—|$205,931|

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