# Heat & Frost Insulators Local 25 Supplemental Unemployment Benefit Health & Welfare Plan
Source: https://planprovider.pro/companies/heat-frost-insulators-local-25-supplemental-unemployment-benefit-237114574-501

> Heat & Frost Insulators Local 25 Supplemental Unemployment Benefit's Health & Welfare plan: 196 participants, plan year 2024 financials, providers, and bench…

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Heat & Frost Insulators Local 25 Supplemental Unemployment Benefit

- **Sponsor EIN:** 237114574

- **Sponsor Address:** 21353 BRIDGE STREET, SOUTHFIELD, MI, 48033

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 196

- **Total Assets:** $4.4M

## 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|196|$4.4M|$374,264|$0|

| 2023|192|$4.1M|$375,929|$0|

| 2022|168|$3.3M|$0|$364,129|

## 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|

| GRIFFON INVESTMENT ADVISORS|Other Service Provider|$18,209|—|$18,209|

| WRUBEL WESLEY & CO CPAS|Other Service Provider|$13,800|—|$13,800|

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $32,009

- **Estimated Expense Ratio:** 0.725% 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|$104,811|$18,486|—|$13,800|—|

| 2023|$82,132|$12,140|—|$9,000|—|

| 2022|$84,774|$10,309|—|—|$12,739|

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