# Heat & Frost Insulators & Asbestos Workers Local #38 DB Plan
Source: https://planprovider.pro/companies/heat-frost-insulators-asbestos-workers-local-38-plan

> Heat & Frost Insulators & Asbestos Workers Local #38's DB plan: 88 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Heat & Frost Insulators & Asbestos Workers Local #38

- **Sponsor EIN:** 236283938

- **Sponsor Address:** 315-317 NORTH WASHINGTON STREET, WILKES-BARRE, PA, 18705

- **Plan Type:** DB

- **Total Participants:** 88

- **Total Assets:** $20.5M

## 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|88|$20.5M|$573,396|$0|

| 2023|88|$18.2M|$498,400|$0|

| 2022|89|$15.6M|$486,074|$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|

| NORTHEAST ADVISORS, INC.|NONE|$36,005|—|$36,005|

| N.A. FALCONE & ASSOCIATES, INC|NONE|$22,504|—|$22,504|

| SNYDER & CLEMENTE|NONE|$16,000|—|$16,000|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [SNYDER & CLEMENTE](https://planprovider.pro/provider/snyder-and-clemente) — NONE

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $74,509

- **Estimated Expense Ratio:** 0.364% 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|$87,691|$36,005|—|$16,000|—|

| 2023|$69,756|$30,638|—|$15,750|—|

| 2022|$75,563|$28,556|—|—|$47,007|

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