# Board Of Trustees Steamfitters Welfare Fund Local 475 Health & Welfare Plan
Source: https://planprovider.pro/companies/board-of-trustees-steamfitters-welfare-fund-local-475-221516999-501

> Board Of Trustees Steamfitters Welfare Fund Local 475's Health & Welfare plan: 421 participants, plan year 2024 financials, providers, and benchmarks from Fo…

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Board Of Trustees Steamfitters Welfare Fund Local 475

- **Sponsor EIN:** 221516999

- **Sponsor Address:** 136 MOUNT BETHEL ROAD, WARREN, NJ, 07059

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 421

- **Total Assets:** $53.3M

## 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|421|$53.3M|$15.2M|$916,698|

| 2023|434|$49.5M|$17.3M|$926,525|

| 2022|394|$43.8M|$14.3M|$1.1M|

## 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|

| HORIZON BLUE CROSS BLUE SHIELD|Other Service Provider|$527,445|—|$527,445|

| LABOR FIRST|Other Service Provider|$268,908|—|$268,908|

| KIM E. DEVIZIO|Other Service Provider|$132,742|—|$132,742|

| MARTA K TIRTADJAJA|Other Service Provider|$89,299|—|$89,299|

| MR. MICROCHIP SOFTWARE CENTER|Other Service Provider|$55,280|—|$55,280|

| MSPC CPAS & ADVISORS, P.C.|Auditor|$53,849|—|$53,849|

| ELIZABETH LODGE|Other Service Provider|$40,958|—|$40,958|

| LORRIE RAMSEY|Other Service Provider|$37,442|—|$37,442|

| BOLTON PARTNERS|Other Service Provider|$32,000|—|$32,000|

| EMPOWER ANNUITY INSURANCE COMPANY O|Investment Advisor|$18,014|—|$18,014|

| LINDABURY MCCORMICK ESTABROOK|ERISA Attorney|$16,976|—|$16,976|

| J2 GLOBAL INC. D/B/A KEEPITSAFE|Other Service Provider|$16,298|—|$16,298|

| LARRY MAGARIK, ESQ|ERISA Attorney|$13,440|—|$13,440|

| HIGHLAND CAPITAL MANAGEMENT|Investment Advisor|$13,399|—|$13,399|

| OPTUM RX|Other Service Provider|$11,598|—|$11,598|

| REYNOLDS CONSULTING SERVICES, LLC|Investment Advisor|$5,000|—|$5,000|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [MSPC CPAS & ADVISORS, P.C.](https://planprovider.pro/provider/mspc-certified-public-accountants-and) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $1,332,648

- **Estimated Expense Ratio:** 2.501% 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|$485,308|$42,545|—|$53,849|—|

| 2023|$477,455|$36,804|—|$51,722|—|

| 2022|$518,560|$28,190|—|—|$178,813|

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[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/board-of-trustees-steamfitters-welfare-fund-local-475-221516999-501)

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