# Board Of Trustees, Heavy & General Laborers Welfare Fund Of New Jersey Health & Welfare Plan Source: https://planprovider.pro/companies/board-of-trustees-heavy-general-laborers-welfare-fund-of-new-jersey-221481564-501 > Board Of Trustees, Heavy & General Laborers Welfare Fund Of New Jersey's Health & Welfare plan: 7,130 participants, plan year 2024 financials, providers, and… Form 5500 filing data for plan year 2024. ## Plan Snapshot - **Plan Sponsor:** Board Of Trustees, Heavy & General Laborers Welfare Fund Of New Jersey - **Sponsor EIN:** 221481564 - **Sponsor Address:** 700 RAYMOND BOULEVARD, NEWARK, NJ, 071052909 - **Plan Type:** Health & Welfare - **Plan Number:** 501 - **Total Participants:** 7,130 - **Total Assets:** $374.1M ## 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|7,130|$374.1M|$166.4M|$58.6M| | 2023|6,862|$356.8M|$154.4M|$55.0M| | 2022|6,700|$326.7M|$147.2M|$53.4M| ## 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| | MERITAIN HEALTH, INC.|Other Service Provider|$3,131,359|—|$3,131,359| | ZAZZALI FAGELLA NOWAK, KLEINBAUM &|Other Service Provider|$408,118|—|$408,118| | THE SEGAL COMPANY (EASTERN STATES)|Other Service Provider|$398,478|—|$398,478| | BEVERLY CEASER|Recordkeeper|$262,433|—|$262,433| | THOMAS COTOV|Recordkeeper|$256,519|—|$256,519| | VINCENT P RICCARDI|Recordkeeper|$222,822|—|$222,822| | CHARLES FERNS|Recordkeeper|$197,083|—|$197,083| | RUSSELL A BLEY|Recordkeeper|$190,017|—|$190,017| | ROBERT CALAMARI|Recordkeeper|$168,351|—|$168,351| | BRUNO C GRACA|Recordkeeper|$165,420|—|$165,420| | NICHOLAS BUNERO|Recordkeeper|$161,332|—|$161,332| | CARLOS DEOLIVEIRA|Recordkeeper|$160,289|—|$160,289| | GLENN KENYON|Recordkeeper|$157,722|—|$157,722| | SUSIE LOPES|Recordkeeper|$155,953|—|$155,953| | THERESA CALAMARI|Recordkeeper|$143,828|—|$143,828| | ATALANTA SOSNOFF CAPITAL LLC|Other Service Provider|$134,144|—|$134,144| | MARTA VIEIRA|Recordkeeper|$130,163|—|$130,163| | AMY M HIBBS|Recordkeeper|$126,760|—|$126,760| | ELENA B SOARES|Recordkeeper|$125,717|—|$125,717| | MARK A GRIFFITH|Recordkeeper|$123,234|—|$123,234| | FRANCISCA PEGO|Recordkeeper|$110,089|—|$110,089| | VINCENT CHIARIELLO|Recordkeeper|$107,093|—|$107,093| | MICHAEL GIAMMARINO|Recordkeeper|$106,995|—|$106,995| | SHARON A SILLEN|Recordkeeper|$106,794|—|$106,794| | CLAUDIA CAETANO|Recordkeeper|$98,600|—|$98,600| | MARIA A AHEDO|Recordkeeper|$92,657|—|$92,657| | MONICA J CACOILO|Recordkeeper|$87,165|—|$87,165| | SANDRA OLIVEIRA|Recordkeeper|$84,769|—|$84,769| | ANGELINI, VINIAR & FREEDMAN, LLP|Other Service Provider|$80,629|—|$80,629| | SCHULTHEIS & PANETTIERI LLP|Auditor|$79,000|—|$79,000| | JENNIFER TEIXEIRA|Recordkeeper|$75,997|—|$75,997| | BICC SYSTEMS INC|Other Service Provider|$72,025|—|$72,025| | MARGARIDA M PEREIRA|Recordkeeper|$71,887|—|$71,887| | WESTERN ASSET MANAGEMENT COMPANY|Other Service Provider|$70,996|—|$70,996| | NATALIA FERREIRA|Recordkeeper|$68,320|—|$68,320| | WEAVER C. BARKSDALE & ASSOCIATES, I|Other Service Provider|$67,588|—|$67,588| | DANIELLE GAMMON|Recordkeeper|$63,944|—|$63,944| | ULLICO|Recordkeeper|$61,660|—|$61,660| | CYNTHIA PARKER|Recordkeeper|$58,750|—|$58,750| | RUI P TEIXEIRA|Recordkeeper|$57,501|—|$57,501| | SUSAN R TANZ|Recordkeeper|$56,560|—|$56,560| | RACHELLE CHIARIELLO|Recordkeeper|$53,224|—|$53,224| | ALEXANDER RINALDI, ESQ.|Other Service Provider|$52,774|—|$52,774| | J.J. PIERSON, ESQ.|Other Service Provider|$52,000|—|$52,000| | MORGAN STANLEY GRAYSTONE|Recordkeeper|$50,457|—|$50,457| | STEPHANIE BAPTISTA|Recordkeeper|$47,545|—|$47,545| | NATALIE GRACA|Recordkeeper|$46,903|—|$46,903| | CRYSTAL MILLAN|Recordkeeper|$46,730|—|$46,730| | MARIA VIEIRA|Recordkeeper|$44,076|—|$44,076| | STEPHANIE S DIAS|Recordkeeper|$42,835|—|$42,835| | SUSANIN, WIDMAN & BRENNAN, PC|Other Service Provider|$33,579|$7,590|$41,169| | ASHLEY CAETANO|Recordkeeper|$40,762|—|$40,762| | MANNING & NAPIER ADVISORS LLC|Recordkeeper|$40,171|—|$40,171| | AMANDA M HIBBS|Recordkeeper|$39,358|—|$39,358| | CAROL A MARINHA|Recordkeeper|$37,509|—|$37,509| | KAITLYN L FERREIRA|Recordkeeper|$36,690|—|$36,690| | DIANE GLANCEY|Recordkeeper|$35,882|—|$35,882| | RAQUEL GRIFFITH|Recordkeeper|$33,993|—|$33,993| | THE BANK OF NY MELLON|Other Service Provider|$29,576|—|$29,576| | LUCINDA DESOUSA|Recordkeeper|$24,005|—|$24,005| ### Verified Provider Profiles Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro: - [BEVERLY CEASER](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [THOMAS COTOV](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [VINCENT P RICCARDI](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [CHARLES FERNS](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [RUSSELL A BLEY](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [ROBERT CALAMARI](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [BRUNO C GRACA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [NICHOLAS BUNERO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [CARLOS DEOLIVEIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [GLENN KENYON](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [SUSIE LOPES](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [THERESA CALAMARI](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MARTA VIEIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [AMY M HIBBS](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [ELENA B SOARES](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MARK A GRIFFITH](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [FRANCISCA PEGO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [VINCENT CHIARIELLO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MICHAEL GIAMMARINO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [SHARON A SILLEN](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [CLAUDIA CAETANO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MARIA A AHEDO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MONICA J CACOILO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [SANDRA OLIVEIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [SCHULTHEIS & PANETTIERI LLP](https://planprovider.pro/provider/schultheis-and-panettieri-llp) — Auditor - [JENNIFER TEIXEIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MARGARIDA M PEREIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [NATALIA FERREIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [DANIELLE GAMMON](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [ULLICO](https://planprovider.pro/provider/the-vanguard-group-inc) — Recordkeeper - [CYNTHIA PARKER](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [RUI P TEIXEIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [SUSAN R TANZ](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [RACHELLE CHIARIELLO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MORGAN STANLEY GRAYSTONE](https://planprovider.pro/provider/jp-morgan-asset-management) — Recordkeeper - [STEPHANIE BAPTISTA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [NATALIE GRACA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [CRYSTAL MILLAN](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MARIA VIEIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [STEPHANIE S DIAS](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [ASHLEY CAETANO](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [MANNING & NAPIER ADVISORS LLC](https://planprovider.pro/provider/jp-morgan-asset-management) — Recordkeeper - [AMANDA M HIBBS](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [CAROL A MARINHA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [KAITLYN L FERREIRA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [DIANE GLANCEY](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [RAQUEL GRIFFITH](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper - [LUCINDA DESOUSA](https://planprovider.pro/provider/charles-schwab-and-co-inc) — Recordkeeper ## Plan Fees & Expenses Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings. - **Total Service Provider Fees:** $9,294,420 - **Estimated Expense Ratio:** 2.485% 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|$7,216,389|$489,528|—|$79,000|—| | 2023|$5,777,810|$547,117|—|$76,650|—| | 2022|$5,604,271|$485,733|—|—|$570,857| ## Similar Plans - [Board Of Trustees H&Gl Local Unions 472 & 172 Of Nj Pension Fund](https://planprovider.pro/companies/board-of-trustees-h-gl-local-unions-472-172-of-nj-pension-fund-226032103-001) — 7,670 participants - [Board Of Trustees H&Gl Local Unions Safety, Education & Training Tr Fd](https://planprovider.pro/companies/board-of-trustees-h-gl-local-unions-safety-education-training-tr-fd-226171671-501) — 7,670 participants - [Colas INC.](https://planprovider.pro/companies/colas-inc-222979907-503) — 4,014 participants - [Richard E. Pierson Construction Co., INC.](https://planprovider.pro/companies/richard-e-pierson-construction-co-inc-401k-plan) — 541 participants - [Teamsters Local 676 Employers Annuity Fund](https://planprovider.pro/companies/teamsters-local-676-employers-annuity-fund-plan) — 466 participants - [Richard E. Pierson Construction Co. INC.](https://planprovider.pro/companies/richard-e-pierson-construction-co-inc-222269412-502) — 344 participants [View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/board-of-trustees-heavy-general-laborers-welfare-fund-of-new-jersey-221481564-501) © 2026 PlanProvider.Pro