Plan Snapshot
- Plan Sponsor: Board Of Trustees Of Heat And Frost Insulators Of No. Calif., Local 16
- Sponsor EIN: 941233004
- Sponsor Address: 7180 KOLL CENTER PKWY, SUITE 200, PLEASANTON, CA, 94566
- Plan Type: Health & Welfare
- Plan Number: 501
- Total Participants: 589
- Total Assets: $16.1M
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 | 589 | $16.1M | $13.3M | $743,910 |
| 2023 | 537 | $15.3M | $13.1M | $724,667 |
| 2022 | 531 | $14.7M | $12.3M | $787,859 |
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 | $361,691 | — | $361,691 |
| THE SEGAL COMPANY | Recordkeeper | $77,293 | $20,700 | $97,993 |
| WITHUMSMITH+BROWN, PC | Auditor | $81,142 | — | $81,142 |
| DELTA DENTAL | Other Service Provider | $79,076 | — | $79,076 |
| MCMORGAN & COMPANY LLC | Other Service Provider | $53,916 | — | $53,916 |
| SALTZMAN & JOHNSON LAW CORPORATION | Other Service Provider | $50,952 | — | $50,952 |
| ANTHEM BLUE CROSS | Other Service Provider | $50,208 | — | $50,208 |
| SMARTSOURCE | Other Service Provider | $15,546 | — | $15,546 |
| ELIXIR RX SOLUTIONS, LLC | Other Service Provider | $9,279 | — | $9,279 |
| FREMONT BANK | Other Service Provider | $7,243 | — | $7,243 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- THE SEGAL COMPANY — Recordkeeper
- WITHUMSMITH+BROWN, PC — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $807,046
- Estimated Expense Ratio: 5.003% 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 | $827,485 | $53,916 | $349,128 | $44,102 | — |
| 2023 | $903,407 | $50,747 | $490,537 | $43,868 | — |
| 2022 | $826,503 | $41,074 | $333,052 | — | $247,095 |