# Board Of Trustees Local 456 Municipal Welfare Fund Health & Welfare Plan
Source: https://planprovider.pro/companies/board-of-trustees-local-456-municipal-welfare-fund-136804536-501

> Board Of Trustees Local 456 Municipal Welfare Fund's Health & Welfare plan: 1,558 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 Local 456 Municipal Welfare Fund

- **Sponsor EIN:** 136804536

- **Sponsor Address:** 160 SOUTH CENTRAL AVENUE, ELMSFORD, NY, 10523

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 1,558

- **Total Assets:** $33.4M

## 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|1,558|$33.4M|$0|$0|

| 2024|1,559|$29.7M|$2.0M|$0|

| 2023|1,563|$26.9M|$2.0M|$0|

| 2022|1,577|$24.2M|$1.9M|$0|

## 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|

| MERRILL LYNCH|Custodian / Trustee|$118,642|—|$118,642|

| BAMUNDO, ZWAL & SCHERMERHORN LLP|ERISA Attorney|$81,496|—|$81,496|

| LOWER HUDSON VALLEY E.A.P.|Other Service Provider|$44,600|—|$44,600|

| BLITMAN & KING LLP|ERISA Attorney|$35,150|—|$35,150|

| THEODOR H. BROWN DDS|Other Service Provider|$30,144|—|$30,144|

| BOLTON PARTNERS NORTHEAST, INC.|Actuary|$23,500|—|$23,500|

| CITRIN COOPERMAN & COMPANY, LLP|Other Service Provider|$19,853|—|$19,853|

| CITRIN COOPERMAN ADVISORS LLC|Other Service Provider|$17,978|—|$17,978|

| TPA CORPORATION|Other Service Provider|$12,150|—|$12,150|

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $383,513

- **Estimated Expense Ratio:** 1.149% 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|$2,352,732|$118,642|—|$37,830|—|

| 2024|$451,152|$130,877|—|$44,052|—|

| 2023|$397,597|$125,578|—|$36,652|—|

| 2022|$408,172|$129,001|—|—|$109,641|

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- [Board Of Trustees Local 282](https://planprovider.pro/companies/board-of-trustees-local-282-116276103-502) — 2,657 participants

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