# Joint Board Of Trustees Plumbers & Pipefitters 85 Health & Welfare Health & Welfare Plan
Source: https://planprovider.pro/companies/joint-board-of-trustees-plumbers-pipefitters-85-health-welfare-381525304-501

> Joint Board Of Trustees Plumbers & Pipefitters 85 Health & Welfare's Health & Welfare plan: 718 participants, plan year 2024 financials, providers, and bench…

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Joint Board Of Trustees Plumbers & Pipefitters 85 Health & Welfare

- **Sponsor EIN:** 381525304

- **Sponsor Address:** 700 TOWER DRIVE, SUITE 300, TROY, MI, 480982808

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 718

- **Total Assets:** $35.4M

## 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|718|$35.4M|$12.8M|$1.7M|

| 2023|740|$30.8M|$11.1M|$1.6M|

| 2022|665|$28.0M|$10.5M|$2.2M|

## 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|

| BENESYS, INC.|Other Service Provider|$285,018|—|$285,018|

| NOVARA, TESIJA & CATENACCI, PLLC|Other Service Provider|$125,350|—|$125,350|

| UNION LABOR LIFE INSURANCE COMPANY|Recordkeeper|$73,532|—|$73,532|

| USI INSURANCE SERVICES|Other Service Provider|$45,000|—|$45,000|

| MACQUEEN AND ASSOCIATES|Other Service Provider|$12,817|$24,580|$37,397|

| PLUMBERS & PIPEFITTERS UA LOCAL 85|Other Service Provider|$25,316|—|$25,316|

| MARQUETTE ASSOCIATES, INC.|Other Service Provider|$25,000|—|$25,000|

| BULTYNCK & CO., PLLC|Other Service Provider|$20,100|—|$20,100|

| MEDTIPSTER|Other Service Provider|$10,660|—|$10,660|

| UNITED ACTUARIAL SERVICES, INC.|Other Service Provider|$9,200|—|$9,200|

| AMERICAN GRAPHICS PRINTING CO|Other Service Provider|$8,774|—|$8,774|

### Verified Provider Profiles

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

- [UNION LABOR LIFE INSURANCE COMPANY](https://planprovider.pro/provider/the-vanguard-group-inc) — Recordkeeper

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $665,347

- **Estimated Expense Ratio:** 1.880% 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|$489,828|$43,675|$73,346|$19,500|—|

| 2023|$503,719|$109,462|$69,427|$20,609|—|

| 2022|$447,905|$78,543|$60,780|—|$143,221|

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