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

> Heat & Frost Insulators & Asbestos Workers Local Union 38's DC plan: 454 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 Union 38

- **Sponsor EIN:** 236283938

- **Sponsor Address:** 315-317 N WASHINGTON ST., WILKES-BARRE, PA, 18705

- **Plan Type:** DC

- **Total Participants:** 454

- **Total Assets:** $24.2M

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|454|$24.2M|$984,695|$0|

| 2023|451|$24.2M|$892,710|$0|

| 2022|466|$21.3M|$810,583|$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.|SERVICE PROVIDER|$45,069|—|$45,069|

| ALERUS FINANCIAL, N.A.|SERVICE PROVIDER|$30,474|—|$30,474|

| SNYDER & CLEMENTE|SERVICE PROVIDER|$13,500|—|$13,500|

### Verified Provider Profiles

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

- [ALERUS FINANCIAL, N.A.](https://planprovider.pro/provider/intellicents-inc) — SERVICE PROVIDER

- [SNYDER & CLEMENTE](https://planprovider.pro/provider/snyder-and-clemente) — SERVICE PROVIDER

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $89,043

- **Estimated Expense Ratio:** 0.368% 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|$89,905|$45,069|$28,125|$13,500|—|

| 2023|$84,841|$41,191|$26,795|$13,000|—|

| 2022|$88,960|$38,933|—|—|$50,027|

## Similar Plans

- [M. Davis & Sons, INC.](https://planprovider.pro/companies/m-davis-sons-inc-401k-plan) — 427 participants

- [Anthony & Sylvan Pools Corporation](https://planprovider.pro/companies/anthony-sylvan-pools-corporation-401k-plan) — 414 participants

- [Bath Saver, INC.](https://planprovider.pro/companies/bath-saver-inc-401k-plan) — 552 participants

- [Houck Services, INC.](https://planprovider.pro/companies/houck-services-inc-401k-plan) — 348 participants

- [Bolttech, INC., D/B/A Bolttech Mannings](https://planprovider.pro/companies/bolttech-inc-d-b-a-bolttech-mannings-401k-plan) — 307 participants

- [Infraservices Group Resources](https://planprovider.pro/companies/infraservices-group-resources-401k-plan) — 647 participants

[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/heat-frost-insulators-asbestos-workers-local-union-38-plan)

© 2026 PlanProvider.Pro