# Board Of Trustees Heat And Frost Insulators Local 12 Health & Welfare Plan
Source: https://planprovider.pro/companies/board-of-trustees-heat-and-frost-insulators-local-12-116302784-501

> Board Of Trustees Heat And Frost Insulators Local 12's Health & Welfare plan: 382 participants, plan year 2025 financials, providers, and benchmarks from For…

Form 5500 filing data for plan year 2025.

## Plan Snapshot

- **Plan Sponsor:** Board Of Trustees Heat And Frost Insulators Local 12

- **Sponsor EIN:** 116302784

- **Sponsor Address:** 35-53 24TH STREET, LONG ISLAND CITY, NY, 11106

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 382

- **Total Assets:** $30.7M

## 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.|

| 2025|382|$30.7M|$0|$0|

| 2024|405|$32.3M|$11.3M|$4.2M|

| 2023|448|$30.9M|$10.5M|$4.1M|

| 2022|518|$31.3M|$11.4M|$4.4M|

## 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|

| UNITED HEALTHCARE SERVICES, LLC|Other Service Provider|$482,080|—|$482,080|

| SCHULTHEIS & PANETTIERI, LLP|Auditor|$244,621|—|$244,621|

| ZENITH AMERICAN SOULTIONS|Other Service Provider|$115,312|—|$115,312|

| PROSKAUER ROSE LLP|Other Service Provider|$92,597|—|$92,597|

| MAGALI AVILA|Other Service Provider|$81,014|—|$81,014|

| SEGAL COMPANY (EASTERN STATES)|Other Service Provider|$78,451|—|$78,451|

| COLLERAN, O'HARA & MILLS, LLP|ERISA Attorney|$62,601|—|$62,601|

| OPTUMRX, INC.|Other Service Provider|$30,432|$6,339|$36,771|

| EAGLE ASSET MANAGEMENT|Other Service Provider|$33,561|—|$33,561|

| THE HARRISON GROUP|Other Service Provider|$20,066|—|$20,066|

| SEGAL SELECT INSURANCE|Other Service Provider|—|$18,258|$18,258|

| M&T BANK|Custodian / Trustee|$16,045|—|$16,045|

| BENEFIT RESOURCE, LLC|Other Service Provider|$14,071|—|$14,071|

| HIGHLAND CAPITAL MANAGEMENT|Other Service Provider|$13,750|—|$13,750|

| REYNOLDS CONSULTING SERVICES, LLC|Other Service Provider|$7,500|—|$7,500|

| PAYCHEX, INC.|Other Service Provider|$5,388|—|$5,388|

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $1,322,086

- **Estimated Expense Ratio:** 4.309% 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|

| 2025|$18,062,578|$56,633|$99,463|$67,900|—|

| 2024|$669,008|$75,894|$91,208|$111,380|—|

| 2023|$772,627|$48,098|$58,953|$131,980|—|

| 2022|$841,892|—|$67,778|—|$691,340|

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