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Original filing (PDF)20251015094508NAL0008903474003
HEAT & FROST INSULATORS LOCAL 27
Form 5500
FILING_RECEIVED
INSULATORS LOCAL NO 27 SUPPLEMENTAL PENSION FUND
Defined-contribution retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
514
Accounts w/ balance
298
Plan assets (EOY)
$32.4M
Net assets (EOY)
$32.4M
Plan health score (directional)
81
/ 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
80
Knocking points off
- 59 bps in Schedule C fees — 104% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- 58% balance-to-active ratio — below typical for a healthy 401(k).
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 HEAT & FROST INSULATORS LOCAL 27.
Plan sponsor
Name
HEAT & FROST INSULATORS LOCAL 27
EIN
43-0337343
Address
400 SOUTH MAIN · INDEPENDENCE, MO · 640503813
Phone
(816) 252-0588
Industry
Constructionsee all
Plan administrator
Name
BOARD OF TRUSTEEES OF INSULATORS LOCAL NO. 27
EIN
43-6043014
City
INDEPENDENCE, MO
Phone
(816) 252-0588
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2C · Money purchase (other than target benefit)
2F · ERISA section 404(c)
2G · Total participant-directed accounts
Audit & trust (Schedule H)
Auditor
NOVAK BIRKS, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERUS RETIREMENT SOLUTIONS | 45-0375407 | — | RECORD KEEPER/CUSTODIAN | $59K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FINANCIAL ENGINES, INC. | 94-3250323 | — | INVESTMENT ADVISOR | $100K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERTZ INSURANCE GROUP | — | PAPILLION, NE | INSURANCE BROKER | $6K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NOVAK BIRKS P.C. | 43-1122456 | — | ACCOUNTANT | $26K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| DOUTHIT FRETS ROUSE GENTILE RHODES | 43-1706479 | — | — | $0 | — |
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.