Plan Snapshot
- Plan Sponsor: Heat And Frost Insulators
- Sponsor EIN: 386060516
- Sponsor Address: 700 TOWER DRIVE SUITE 300, TROY, MI, 48098
- Plan Type: DB
- Total Participants: 376
- Total Assets: $74.7M
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 | 376 | $74.7M | $7.9M | $0 |
| 2023 | 390 | $65.8M | $7.0M | $0 |
| 2022 | 381 | $57.9M | $8.0M | $0 |
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 |
|---|---|---|---|---|
| NOVARRA , TESIJA & CATENACC! | LEGAL | $115,563 | — | $115,563 |
| BENESYS INC | THIRD PARTY ADMINSTRATOR | $90,571 | — | $90,571 |
| MILLMAN USA | ACTUARY | $73,767 | — | $73,767 |
| COMERICA | INVESTMENT CUSTODIAN | $50,246 | — | $50,246 |
| MARQUETTE ASSOCIATES INC. | INVESTMENT CONSULTANT | $50,000 | — | $50,000 |
| WRUBEL WESLEY & CO CPAS | AUDITOR | $11,150 | — | $11,150 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- MILLMAN USA — ACTUARY
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $391,297
- Estimated Expense Ratio: 0.524% 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 | $461,137 | $50,000 | $86,404 | $11,150 | — |
| 2023 | $340,495 | $50,000 | $49,313 | $10,850 | — |
| 2022 | $578,504 | $84,013 | $46,188 | — | $218,957 |