# Heat And Frost Insulators St. Louis Welfare Fund Trustees Health & Welfare Plan
Source: https://planprovider.pro/companies/heat-and-frost-insulators-st-louis-welfare-fund-trustees-436158894-501

> Heat And Frost Insulators St. Louis Welfare Fund Trustees's Health & Welfare plan: 363 participants, plan year 2024 financials, providers, and benchmarks fro…

Form 5500 filing data for plan year 2024.

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

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