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Original filing (PDF)20251014162410NAL0006854306003
HEAT AND FROST INSULATORS ST. LOUIS WELFARE FUND TRUSTEES
Form 5500
FILING_RECEIVED
HEAT AND FROST INSULATORS ST. LOUIS WELFARE FUND
Health & welfare plan
Signals · 3
~1398 bps in Sched C feesNo recordkeeper disclosed13 service providers
Active participants
363
Accounts w/ balance
—
Plan assets (EOY)
$16.4M
Net assets (EOY)
$16.0M
How this plan invests
This plan
69 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
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 1398 bps in Schedule C fees — 4722% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HEAT AND FROST INSULATORS ST. LOUIS WELFARE FUND TRUSTEES.
Plan sponsor
Name
HEAT AND FROST INSULATORS ST. LOUIS WELFARE FUND TRUSTEES
EIN
43-6158894
Address
502 EARTH CITY EXPRESSWAY · SUITE 203 · EARTH CITY, MO · 63045
Phone
(314) 344-8899
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
2025-10-14
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4E · Vision
4F · Temporary Disability (accident and sickness)
4U · Dependent Care
Audit & trust (Schedule H)
Auditor
GRABEL, SCHNIEDERS, HOLLMAN & CO. P
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
13 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMERCE BANK | 48-0962626 | KANSAS CITY, MO | INVESTMENT MANAGER | $64K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | 06-6033492 | HARTFORD, CT | CONTRACT ADMINISTRATOR | $199K | — |
Other
11| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SAV-RX | 86-1323040 | FREMONT, NE | NONE | $1.1M | — |
| EVERSIDE, LLC | 45-3449075 | DENVER, CO | NONE | $322K | — |
| ZENITH AMERICAN SOLUTIONS | 52-1590516 | OKLAHOMA CITY, OK | THIRD-PARTY ADMINISTRATOR | $281K | — |
| COLONY CAPITAL MANAGEMENT, INC. | 58-2533667 | ATLANTA, GA | — | $86K | — |
| NATIONAL VISION ADMINISTRATORS | 74-3033381 | CLIFTON, NJ | NONE | $83K | — |
| DIGITAL INSURANCE | 35-2232153 | CLAYTON, MO | CONSULATANT | $70K | — |
| LABOR FIRST, LLC | 06-1750191 | MOUNT LAUREL, NJ | NONE | $50K | — |
| HAMMOND & SHINNERS, P.C. | 43-1429257 | ST. LOUIS, MO | NONE | $24K | — |
| GRABEL SCHNIEDERS HOLLMAN & CO | 43-1171178 | KIRKWOOD, MO | NONE | $17K | — |
| BANK OF LABOR | 48-0150325 | LENEXA, KS | NONE | $7K | — |
| MILLIMAN, INC. | 91-0675941 | ST. LOUIS, MO | NONE | $7K | — |
Investments
67 direct securities· $14.8M(91% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FIDELITY GOVERNMENT CASH RESERVES | — | 104,634.03 | $2.4M | $2.4M | 14.7% | |
| ENTERPRISE BANK | — | 1,188,354.46 | $1.2M | $1.2M | 7.2% | |
| APPLE INC | — | 2,700 | $13K | $676K | 4.1% | |
| MICROSOFT CORP | — | 1,100 | $29K | $464K | 2.8% | |
| AMPHENOL CORPORATION | — | 6,000 | $16K | $417K | 2.5% | |
| UNITED STATES TREASURY NOTE | — | 400,000 | $396K | $400K | 2.4% | |
| UNITED STATES TREASURY NOTE | — | 400,000 | $384K | $388K | 2.4% | |
| ALPHABET INC CLASS C | — | 2,000 | $22K | $381K | 2.3% | |
| ALPHABET INC CLASS A | — | 2,000 | $22K | $379K | 2.3% | |
| !SHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BONI: | — | 7,000 | $371K | $362K | 2.2% | |
| AMERICAN EXPRESS COMPANY | — | 1,100 | $67K | $326K | 2.0% | |
| UNITED STATES TREASURY BILL- ZERO COUPON | — | 300,000 | $293K | $298K | 1.8% | |
| MARATHON PETROLEUM CORP | — | 2,000 | $50K | $279K | 1.7% | |
| UNITEDHEALTH GROUP INC | — | 500 | $25K | $253K | 1.5% | |
| !SHARES PREFERRED & INCOME SECURITIES ETF | — | 8,000 | $308K | $252K | 1.5% | |
| HABIB AMERICAN BANK | — | 250,000 | $250K | $250K | 1.5% | |
| IST FINANCIAL BANK SD | — | 250,000 | $250K | $250K | 1.5% | |
| FIRST PRYORITY BANK | — | 250,000 | $250K | $250K | 1.5% | |
| LIBERTY BANK | — | 249,000 | $249K | $249K | 1.5% | |
| ACCENTURE PLC | — | 700 | $18K | $246K | 1.5% | |
| ORACLE CORP | — | 1,400 | $49K | $233K | 1.4% | |
| CATERPILLAR INC | — | 640 | $57K | $232K | 1.4% | |
| AFLAC INC | — | 2,020 | $34K | $209K | 1.3% | |
| WEST POINTE BANK | — | 206,000 | $206K | $206K | 1.3% | |
| NVIDIA CORPORATION | — | 1,500 | $174K | $201K | 1.2% | |
| TBANK | — | 200,000 | $200K | $200K | 1.2% | |
| UNITED STATES TREASURY BILL- ZERO COUPON | — | 200,000 | $196K | $200K | 1.2% | |
| PROCTER AND GAMBLE COMPANY | — | 1,100 | $61K | $184K | 1.1% | |
| AMGEN INC | — | 680 | $32K | $177K | 1.1% | |
| MCDONALDS CORP | — | 550 | $30K | $159K | 1.0% | |
| WISDOMTREE FLOATING RATE TREASURY FUND | — | 3,000 | $151K | $151K | 0.9% | |
| NBKCBANK | — | 139,000 | $139K | $139K | 0.8% | |
| GILEAD SCIENCES INC | — | 1,500 | $26K | $139K | 0.8% | |
| US BANCORP DEP. PFD. (PERP. PFD. SERIES L) | — | 8,000 | $200K | $135K | 0.8% | |
| ABBVIEINC | — | 735 | $20K | $131K | 0.8% | |
| AMERICAN ELECTRIC POWER COMPANY INC | — | 1,380 | $35K | $127K | 0.8% | |
| COLGATE-PALMOLIVE COMPANY | — | 1,220 | $39K | $111K | 0.7% | |
| NBKCBANK | — | 110,000 | $110K | $110K | 0.7% | |
| BRISTOL-MYERS SQUIBB COMPANY | — | 1,920 | $39K | $109K | 0.7% | |
| FIDELITY PREFERRED SECURITIES & INCOME ETF | — | 5,000 | $124K | $108K | 0.7% | |
| ENTERGY NEW ORLEANS LLC FIRST MORTGAGE BONDS | — | 5,000 | $127K | $105K | 0.6% | |
| !SHARES FLOATING RATE BOND ETF | — | 2,000 | $102K | $102K | 0.6% | |
| FIDELITY INVESTMENTS | — | 101,270 | $101K | $101K | 0.6% | |
| UNITED STATES TREASURY NOTE- SERIES BG 2025 | — | 100,000 | $100K | $100K | 0.6% | |
| WALT DISNEY CO | — | 900 | $25K | $100K | 0.6% | |
| BRADESCO BANK | — | 100,000 | $100K | $100K | 0.6% | |
| WELLS FARGO & CO DEP. PFD. (CL A PERP. PFD. SERIES AA) | — | 5,000 | $124K | $100K | 0.6% | |
| UNITED STATES TREASURY BILL-ZERO COUPON | — | 100,000 | $98K | $99K | 0.6% | |
| CHEVRON CORP | — | 665 | $33K | $96K | 0.6% | |
| SOUTHERN COMPANY JR. SUB. NOTES SERIES 2020C | — | 5,000 | $122K | $95K | 0.6% | |
| COCA-COLA CO | — | 1,500 | $33K | $93K | 0.6% | |
| US BANCORP | — | 1,930 | $42K | $92K | 0.6% | |
| RTX CORPORATION | — | 785 | $17K | $91K | 0.6% | |
| INTERNATIONAL BUSINESS MACHINES CORP | — | 410 | $46K | $90K | 0.5% | |
| ABBOTT LABORATORIES | — | 735 | $18K | $83K | 0.5% | |
| MEDTRONIC PLC | — | 810 | $60K | $65K | 0.4% | |
| EXXON MOBIL CORP | — | 540 | $34K | $58K | 0.4% | |
| CVS HEALTH CORPORATION | — | 1,210 | $42K | $54K | 0.3% | |
| CARRIER GLOBAL CORPORATION | — | 785 | $5K | $54K | 0.3% | |
| VERIZON COMMUNICATIONS INC | — | 1,200 | $34K | $48K | 0.3% | |
| GENERAL ELECTRIC COMPANY | — | 250 | $33K | $42K | 0.3% | |
| ENTREBANK | — | 22,000 | $22K | $22K | 0.1% | |
| GE VERONA INC | — | 62 | $8K | $20K | 0.1% | |
| FIRST BK OF THE LAKE | — | 20,000 | $20K | $20K | 0.1% | |
| TBANKNA | — | 15,000 | $15K | $15K | <0.1% | |
| GS FINANCIAL SQUARE GOVERNMENT FUND (#465) | — | 8,389.44 | $8K | $8K | <0.1% | |
| GE HEALTHCARE TECHNOLOGIES INC | — | 83 | $12K | $6K | <0.1% |