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Original filing (PDF)20251010094506NAL0018128994001
BOARD OF TRUSTEES HEAT AND FROST INSULATORS AND ALLIED WORKERS LOCA
Form 5500
FILING_RECEIVED
HEAT AND FROST INSULATORS AND ALLIED WORKERS LOCAL NO. 4 WELFARE FUND
Health & welfare plan
Signals · 2
25% in single holding~763 bps in Sched C fees
Active participants
68
Accounts w/ balance
—
Plan assets (EOY)
$1.5M
Net assets (EOY)
$1.5M
How this plan invests
This plan
5 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
87
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "PIMCO Dynamic Bond Fund 23,745 Shares" is 25% of plan.
- 763 bps in Schedule C fees — 1367% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF TRUSTEES HEAT AND FROST INSULATORS AND ALLIED WORKERS LOCA.
Plan sponsor
Name
BOARD OF TRUSTEES HEAT AND FROST INSULATORS AND ALLIED WORKERS LOCA
EIN
16-1437656
Address
2484 SENECA STREET · BUFFALO, NY · 14210
Phone
(716) 821-7919
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4E · Vision
4F · Temporary Disability (accident and sickness)
4H · Long-Term Disability
4J · Apprenticeship and Training
Audit & trust (Schedule H)
Auditor
ARCARA LENDA EUSANIO & STACEY CPAS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JOHN FADELEY | 16-6023926 | — | EMPLOYEE | $61K | — |
| ARCARA LENDA EUSANIO & STACEY CPAS | 47-1793720 | — | NONE | $29K | — |
| BLITMAN & KING LLP | 16-1047304 | — | NONE | $22K | — |
| USI CG | 06-1053228 | — | NONE | $5K | — |
Investments
5 direct securities· $942K(61% of reported assets)
Uncategorized
$706K
4 holdings
Mutual Funds
$236K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PIMCO Dynamic Bond Fund 23,745 Shares | — | — | $263K | $237K | 15.5% | |
| Blackrock Global Allocation Fund 12,639 Shares | Mutual Funds | — | $258K | $236K | 15.4% | |
| PIMCO All Asset Fund 21,400 Shares | — | — | $254K | $232K | 15.1% | |
| Metropolitan West Total Return Bond Fund 25,960 Shares | — | — | $280K | $230K | 15.0% | |
| Face Value/ No. of Shares Investments, at Fair Value Cash, Interest Bearing | — | — | $7K | $7K | 0.5% |