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Original filing (PDF)20251009133952NAL0016240034001
INTERNATIONAL ASSOCIATION OF HEAT AND FROST INSULATORS AND ALLIED WOR
Form 5500
FILING_RECEIVED
HEAT AND FROST INSULATORS AND ALLIED WORKERS LOCAL 25 WELFARE FUND
Health & welfare plan
Signals · 3
~376 bps in Sched C feesNo recordkeeper disclosed9 service providers
Active participants
198
Accounts w/ balance
—
Plan assets (EOY)
$13.3M
Net assets (EOY)
$12.7M
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 376 bps in Schedule C fees — 1196% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INTERNATIONAL ASSOCIATION OF HEAT AND FROST INSULATORS AND ALLIED WOR.
Plan sponsor
Name
INTERNATIONAL ASSOCIATION OF HEAT AND FROST INSULATORS AND ALLIED WOR
EIN
38-6058688
Address
700 TOWER DRIVE #300 · TROY, MI · 480982808
Phone
(248) 813-9800
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
2025-10-09
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4F · Temporary Disability (accident and sickness)
Audit & trust (Schedule H)
Auditor
WRUBEL WESLEY & COMPANY CPAS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsOther
9| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | 38-2069753 | — | NONE KNOWN | $249K | — |
| BENESYS, INC | 38-3507129 | — | NONE KNOWN | $82K | — |
| NOVARA LAW | 38-3507129 | — | NONE KNOWN | $76K | — |
| MICHAEL G. BUCK | — | STERLING HEIGHTS, MI | NONE KNOWN | $36K | — |
| HEALTH PLAN ADVOCATE | — | GRAND RAPIDS, MI | NONE KNOWN | $15K | — |
| SEGAL CONSULTING | — | CLEVELAND, OH | NONE KNOWN | $15K | — |
| WRUBEL WESLEY & CO CPAS | 38-2574238 | — | NONE KNOWN | $11K | — |
| AMERICAN GRAPHICS PRINTING | — | CLINTON TOWNSHIP, MI | NONE KNOWN | $8K | — |
| MARQUETTE ASSOCIATES | — | CHICAGO, IL | NONE KNOWN | $8K | — |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.