# Consolidated Associations Of Railroad Employees Health Care Trust Health & Welfare Plan
Source: https://planprovider.pro/companies/consolidated-associations-of-railroad-employees-health-care-trust-756493465-501

> Consolidated Associations Of Railroad Employees Health Care Trust's Health & Welfare plan: 955 participants, plan year 2025 financials, providers, and benchm…

Form 5500 filing data for plan year 2025.

## 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|

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