# Heat And Frost Insulators DB Plan
Source: https://planprovider.pro/companies/heat-and-frost-insulators-plan

> Heat And Frost Insulators's DB plan: 376 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

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

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