# Heat & Frost Insulators And Allied Workers Local 47 Welfare Fund Health & Welfare Plan
Source: https://planprovider.pro/companies/heat-frost-insulators-and-allied-workers-local-47-welfare-fund-386058846-501

> Heat & Frost Insulators And Allied Workers Local 47 Welfare Fund's Health & Welfare plan: 242 participants, plan year 2024 financials, providers, and benchma…

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Heat & Frost Insulators And Allied Workers Local 47 Welfare Fund

- **Sponsor EIN:** 386058846

- **Sponsor Address:** 6525 CENTURION DRIVE, LANSING, MI, 489179275

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 242

- **Total Assets:** $7.3M

## 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|242|$7.3M|$5.1M|$508,897|

| 2023|185|$5.6M|$3.2M|$515,505|

| 2022|179|$5.1M|$2.5M|$480,725|

## 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|

| BLUE CROSS BLUE SHIELD OF MICHIGAN|Other Service Provider|$239,278|—|$239,278|

| TIC INTERNATIONAL|Other Service Provider|$86,492|—|$86,492|

| MICHAEL G. BUCK|Other Service Provider|—|$39,756|$39,756|

| BENDA, GRACE, STULZ & COMPANY, P.C.|Other Service Provider|$16,400|—|$16,400|

| STARK, REAGAN P.C.|Other Service Provider|$13,558|—|$13,558|

| UNITED ACTUARIAL SERVICES|Other Service Provider|$11,900|—|$11,900|

| MEKETA INVESTMENT GROUP|Other Service Provider|$10,000|—|$10,000|

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $417,384

- **Estimated Expense Ratio:** 5.710% 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|$417,768|$10,000|$309,922|$16,400|—|

| 2023|$351,799|$11,431|$264,625|$15,800|—|

| 2022|$354,894|$11,167|$63,932|—|$38,012|

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