# Board Of Trustees Of Heat And Frost Insulators Of No. Calif., Local 16 Health & Welfare Plan
Source: https://planprovider.pro/companies/board-of-trustees-of-heat-and-frost-insulators-of-no-calif-local-16-941233004-501

> Board Of Trustees Of Heat And Frost Insulators Of No. Calif., Local 16's Health & Welfare plan: 589 participants, plan year 2024 financials, providers, and b…

Form 5500 filing data for plan year 2024.

## 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](https://planprovider.pro/provider/milliman) — Recordkeeper

- [WITHUMSMITH+BROWN, PC](https://planprovider.pro/provider/withumsmithbrown-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|

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