# Refrigeration, A/C & Service Div. (Ua-Nj) Welfare Fund 401(k) Plan
Source: https://planprovider.pro/companies/refrigeration-a-c-service-div-ua-nj-welfare-fund-226211042-501

> Refrigeration, A/C & Service Div. (Ua-Nj) Welfare Fund's 401(k) plan: 1,659 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Refrigeration, A/C & Service Div. (Ua-Nj) Welfare Fund

- **Sponsor EIN:** 226211042

- **Sponsor Address:** PO BOX 1028, WEST TRENTON, NJ, 086280230

- **Plan Type:** 401(k)

- **Plan Number:** 501

- **Total Participants:** 1,659

- **Total Assets:** $38.2M

## 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|1,659|$38.2M|$49.1M|$918,636|

| 2023|1,608|$35.6M|$45.5M|$863,277|

| 2022|1,544|$31.0M|$41.6M|$892,325|

## 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|

| HORIZON HEALTHCARE SERVICES, INC|Other Service Provider|$1,320,451|—|$1,320,451|

| I.E. SHAFFER & CO|Other Service Provider|$939,743|—|$939,743|

| GERSON & ASSOC CPAS AND ADVISORS PC|Other Service Provider|$61,498|—|$61,498|

| OBRIEN, BELLAND & BUSHINSKY|Other Service Provider|$43,415|—|$43,415|

| LINDABURY & ESTABROOK|Other Service Provider|$34,415|—|$34,415|

| EMPOWER ANNUITY INSURANCE CO|Other Service Provider|$28,616|—|$28,616|

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $2,428,138

- **Estimated Expense Ratio:** 6.361% 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|$1,153,780|$28,616|$939,743|$61,498|—|

| 2023|$1,113,079|$79,176|$874,439|$60,266|—|

| 2022|$1,138,325|$78,738|$802,797|—|$205,443|

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