Plan Snapshot
- Plan Sponsor: Joint Board Of Trustees Heat And Frost Insulators And Allied Worker
- Sponsor EIN: 161068939
- Sponsor Address: 2484 SENECA STREET, BUFFALO, NY, 14210
- Plan Type: DB
- Total Participants: 79
- Total Assets: $19.7M
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 | 79 | $19.7M | $1.6M | $0 |
| 2023 | 73 | $18.8M | $1.3M | $0 |
| 2022 | 76 | $18.0M | $1.5M | $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 |
|---|---|---|---|---|
| USI CONSULTING | Other Service Provider | $51,760 | — | $51,760 |
| MARINER INSTITUTIONAL | Other Service Provider | $40,700 | — | $40,700 |
| JOHN FADELEY | Recordkeeper | $40,397 | — | $40,397 |
| ARCARA LENDA EUSANIO & STACEY CPAS | Other Service Provider | $26,391 | — | $26,391 |
| BLITMAN & KING LLP | Other Service Provider | $25,402 | — | $25,402 |
| SALEM TRUST COMPANY | Other Service Provider | $6,334 | — | $6,334 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- JOHN FADELEY — Recordkeeper
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $190,984
- Estimated Expense Ratio: 0.969% 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 | $224,288 | $47,034 | — | $26,391 | — |
| 2023 | $227,339 | $40,700 | — | $28,655 | — |
| 2022 | $173,371 | $45,200 | — | — | $64,325 |