Plan Snapshot
- Plan Sponsor: Board Of Trustees, Heat And Frost Insulators And
- Sponsor EIN: 956093752
- Sponsor Address: 1050 LAKES DR STE 120, WEST COVINA, CA, 91790
- Plan Type: Health & Welfare
- Plan Number: 501
- Total Participants: 853
- Total Assets: $39.2M
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 | 853 | $39.2M | $18.3M | $102,121 |
| 2023 | 906 | $33.3M | $19.6M | $104,711 |
| 2022 | 911 | $25.1M | $17.9M | $112,299 |
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 |
|---|---|---|---|---|
| BENESYS ADMINISTRATORS | Other Service Provider | $435,232 | — | $435,232 |
| OPTUM RX | Other Service Provider | $177,262 | $977 | $178,239 |
| US BANK | Recordkeeper | $96,091 | — | $96,091 |
| ANTHEM BLUE CROSS LIFE AND H.I. CO. | Other Service Provider | $66,980 | — | $66,980 |
| RAEL & LETSON | Other Service Provider | $64,400 | — | $64,400 |
| WOHLNER KAPLON CUTLER HALFORD ET AL | Other Service Provider | $38,855 | — | $38,855 |
| MILLER KAPLAN ARASE LLP | Auditor | $35,500 | — | $35,500 |
| MICHAEL SUROWITZ | Other Service Provider | $26,983 | — | $26,983 |
| VSP | Other Service Provider | $15,517 | — | $15,517 |
| FIRST DENTAL HEALTH | Other Service Provider | $12,304 | — | $12,304 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- US BANK — Recordkeeper
- MILLER KAPLAN ARASE LLP — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $970,101
- Estimated Expense Ratio: 2.477% 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 | $870,092 | — | $435,232 | $27,300 | — |
| 2023 | $833,867 | — | $406,277 | $26,500 | — |
| 2022 | $749,790 | $37,030 | $392,885 | — | $142,263 |