Plan Snapshot
- Plan Sponsor: Heat And Frost Insulators St. Louis Welfare Fund Trustees
- Sponsor EIN: 436158894
- Sponsor Address: 502 EARTH CITY EXPRESSWAY, EARTH CITY, MO, 63045
- Plan Type: Health & Welfare
- Plan Number: 501
- Total Participants: 363
- Total Assets: $16.4M
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 | 363 | $16.4M | $8.2M | $1.6M |
| 2023 | 345 | $14.8M | $8.0M | $1.8M |
| 2022 | 338 | $13.6M | $8.1M | $1.4M |
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 |
|---|---|---|---|---|
| SAV-RX | Other Service Provider | $1,080,312 | — | $1,080,312 |
| EVERSIDE, LLC | Other Service Provider | $322,043 | — | $322,043 |
| ZENITH AMERICAN SOLUTIONS | Recordkeeper | $280,717 | — | $280,717 |
| AETNA LIFE INSURANCE COMPANY | Recordkeeper | $199,214 | — | $199,214 |
| COLONY CAPITAL MANAGEMENT, INC. | Other Service Provider | $86,484 | — | $86,484 |
| NATIONAL VISION ADMINISTRATORS | Other Service Provider | $82,675 | — | $82,675 |
| DIGITAL INSURANCE | Other Service Provider | $70,402 | — | $70,402 |
| COMMERCE BANK | Investment Advisor | $64,357 | — | $64,357 |
| LABOR FIRST, LLC | Other Service Provider | $50,295 | — | $50,295 |
| HAMMOND & SHINNERS, P.C. | Other Service Provider | $24,045 | — | $24,045 |
| GRABEL SCHNIEDERS HOLLMAN & CO | Other Service Provider | $17,411 | — | $17,411 |
| BANK OF LABOR | Other Service Provider | $7,054 | — | $7,054 |
| MILLIMAN, INC. | Recordkeeper | $7,000 | — | $7,000 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- MILLIMAN, INC. — Recordkeeper
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $2,292,009
- Estimated Expense Ratio: 13.983% 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 | $715,635 | $103,314 | $239,915 | $17,411 | — |
| 2023 | $675,077 | $82,693 | $210,277 | $13,388 | — |
| 2022 | $663,282 | $70,199 | $262,086 | — | $34,198 |