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Original filing (PDF)20250514163007NAL0012903011001
BOARD OF TRUSTEES INSULATORS LOCAL 45 HEALTH CARE PLAN
Form 5500
FILING_RECEIVED
INSULATORS LOCAL 45 HEALTH CARE PLAN
Health & welfare plan
Signals · 3
~1067 bps in Sched C feesNo recordkeeper disclosed16 service providers
Active participants
175
Accounts w/ balance
—
Plan assets (EOY)
$13.8M
Net assets (EOY)
$13.4M
How this plan invests
This plan
1 collective trust
Schedule D
Individual securities
on each trust's filing
This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.
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
- 1067 bps in Schedule C fees — 3581% 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 BOARD OF TRUSTEES INSULATORS LOCAL 45 HEALTH CARE PLAN.
Plan sponsor
Name
BOARD OF TRUSTEES INSULATORS LOCAL 45 HEALTH CARE PLAN
EIN
52-2001419
Address
700 TOWER DRIVE · TROY, MI · 480982808
Phone
(248) 813-9800
Industry
Constructionsee all
Plan administrator
Name
BENESYS, INC.
EIN
38-2383171
City
TROY, MI
Phone
(248) 813-9800
Plan characteristics
Plan number
501
Plan year
2023
Plan year begin
2023-08-01
Tax period
2024-07-31
Filed
2025-05-14
Welfare benefit codes
4A · Health (other than dental or vision)
4D · Dental
4F · Temporary Disability (accident and sickness)
4L · Death Benefits (other than life insurance)
4Q · Other
Audit & trust (Schedule H)
Auditor
BULTYNCK & CO., PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
16 rowsOther
16| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ELIXIR RX SOLUTIONS, LLC | 05-0570786 | TWINSBURG, OH | NONE | $595K | — |
| THE UNION LABOR LIFE INSURANCE CO. | 13-1423090 | SILVER SPRING, MD | NONE | $309K | — |
| ZELIS CLAIMS INTEGRITY, LLC | 58-2167964 | BEDMINSTER, NJ | NONE | $127K | — |
| BENESYS, INC. | 38-2383171 | TROY, MI | NONE | $103K | — |
| UNITED HEALTHCARE INSURANCE | 36-2739571 | MINNETONKA, MN | NONE | $96K | — |
| NOVARA, TESIJA & CATENACCI, PLLC | 38-3763096 | TROY, MI | NONE | $93K | — |
| SALUS GROUP | 20-2024076 | STERLING HEIGHTS, MI | NONE | $35K | — |
| HEALTH PLAN ADVOCATE | 38-3607439 | GRAND RAPIDS, MI | NONE | $32K | — |
| FRONTPATH HEALTH COALITION | 34-1713951 | PERRYSBURG, OH | NONE | $20K | — |
| HINES & ASSOCIATES, INC. | 36-3545085 | ELGIN, IL | NONE | $19K | — |
| BULTYNCK & CO., PLLC | 20-3920878 | CLINTON TOWNSHIP, MI | NONE | $15K | — |
| STEFANSKY, HOLLOWAY & NICHOLS | 38-2388845 | NORTHVILLE, MI | NONE | $9K | — |
| AMERICAN GRAPHICS PRINTING CO. | 38-2090931 | CLINTON TOWNSHIP, MI | NONE | $9K | — |
| UNITED ACTUARIAL SERVICES, INC. | 35-2156428 | CARMEL, IN | NONE | $8K | — |
| SIERRA HEALTH AND LIFE INSURANCE CO | 94-0734860 | LAS VEGAS, NV | — | $0 | — |
| THE TRUST COMPANY OF TOLEDO N.A. | 34-1661757 | HOLLAND, OH | — | $0 | — |
Investments
1 pooled fund· $206K(1% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
| Investment | Type | Current value | % of plan |
|---|---|---|---|
| FIDELTY CONTRAFUND MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 484 | Pooled Separate Account | $206K | 1.5% |