# Rochester Laborers' Welfare - Sub Fund Unemployment Benefit Fund Health & Welfare Plan
Source: https://planprovider.pro/companies/rochester-laborers-welfare-sub-fund-unemployment-benefit-fund-160821557-501

> Rochester Laborers' Welfare - Sub Fund Unemployment Benefit Fund's Health & Welfare plan: 672 participants, plan year 2025 financials, providers, and benchma…

Form 5500 filing data for plan year 2025.

## Plan Snapshot

- **Plan Sponsor:** Rochester Laborers' Welfare - Sub Fund Unemployment Benefit Fund

- **Sponsor EIN:** 160821557

- **Sponsor Address:** 18 FOURTH STREET, ROCHESTER, NY, 14069

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 672

- **Total Assets:** $25.5M

## 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.|

| 2025|672|$25.5M|$0|$0|

| 2024|725|$23.2M|$10.6M|$86,360|

| 2023|586|$22.3M|$9.2M|$103,642|

| 2022|595|$21.1M|$8.3M|$119,436|

## 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|

| OPTUM RX, INC.|Other Service Provider|$2,230,409|—|$2,230,409|

| EXCELLUS BLUECROSS BLUESHIELD|Other Service Provider|$325,607|—|$325,607|

| ASHER KELLY|Other Service Provider|$126,962|—|$126,962|

| BRIDGEWAY BENEFIT TECHNOLOGIES|Other Service Provider|$116,864|—|$116,864|

| ARCARA ZUCARELLI LENDA & ASSOCIATES|Other Service Provider|$104,296|—|$104,296|

| M. DEL PRETE|Other Service Provider|$102,226|—|$102,226|

| J. VIBBER|Other Service Provider|$55,827|—|$55,827|

| ROCHESTER LABORERS BUILDING CORP|Other Service Provider|$53,482|—|$53,482|

| M. WHITE|Other Service Provider|$45,159|—|$45,159|

| N. TUGGLES|Other Service Provider|$43,488|—|$43,488|

| O'SULLIVAN ASSOCIATES, INC.|Other Service Provider|$40,233|—|$40,233|

| BONADIO & CO., LLP|Other Service Provider|$35,233|—|$35,233|

| LIFETIME BENEFIT SOLUTIONS|Other Service Provider|$28,263|—|$28,263|

| EMERGING TEL CORP|Other Service Provider|$23,849|—|$23,849|

| BEACON SOLUTIONS|Other Service Provider|$20,000|—|$20,000|

| MORGANSTANLEY SMITHBARNEY LLC|Other Service Provider|$14,844|—|$14,844|

| KARPUS INVESTMENT MANAGEMENT|Other Service Provider|$13,322|—|$13,322|

| QUADIENT FINANCE, USA|Other Service Provider|$13,156|—|$13,156|

| POLEN CAPITAL|Other Service Provider|$8,285|—|$8,285|

| DOLAN MCENIRY CAPITAL MANAGEMENT|Other Service Provider|$7,621|—|$7,621|

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $3,409,126

- **Estimated Expense Ratio:** 13.389% 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|

| 2025|$11,397,983|$59,840|—|$35,233|—|

| 2024|$1,192,565|$54,419|—|$32,639|—|

| 2023|$1,050,122|$55,830|—|$38,798|—|

| 2022|$1,026,514|$57,045|—|—|$304,010|

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