Plan Snapshot
- Plan Sponsor: Consolidated Associations Of Railroad Employees Health Care Trust
- Sponsor EIN: 756493465
- Sponsor Address: 4912 MIDWAY DRIVE, TEMPLE, TX, 765021519
- Plan Type: Health & Welfare
- Plan Number: 501
- Total Participants: 955
- Total Assets: $22.2M
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 | 955 | $22.2M | $0 | $0 |
| 2024 | 1,057 | $21.1M | $0 | $3.3M |
| 2023 | 1,189 | $19.9M | $0 | $3.7M |
| 2022 | 1,341 | $19.4M | $0 | $4.1M |
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 |
|---|---|---|---|---|
| CONSOLIDATED ASSOCIATION RAILROAD | Other Service Provider | $1,027,806 | — | $1,027,806 |
| WELLS FARGO ADVISORS, LLC | Other Service Provider | $79,703 | — | $79,703 |
| BGFN, PC | Other Service Provider | $47,130 | — | $47,130 |
| CCRX | Other Service Provider | $24,000 | — | $24,000 |
| HEALTHSMART INFORMATION SERVICES | Other Service Provider | $18,000 | — | $18,000 |
| MORGAN STANLEY CAPITAL MANAGEMENT L | Other Service Provider | $14,279 | — | $14,279 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $1,210,918
- Estimated Expense Ratio: 5.465% 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 | $6,612,822 | $93,983 | — | — | — |
| 2024 | $1,626,365 | $97,895 | — | — | — |
| 2023 | $1,836,108 | $90,173 | — | — | — |
| 2022 | $1,809,038 | $74,334 | — | — | $159,281 |