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Original filing (PDF)20251012084506NAL0000404752001
INTERNATIONAL ASSOCIATION OF HEAT & FROST INSULATORS & ALLIED
Form 5500
FILING_RECEIVED
INTERNATIONAL ASSOCIATION OF HEAT & FROST INSULATORS & ALLIED WORKERS LOCAL 78 PENSION PLAN
Defined-contribution retirement plan
Signals · 3
61% in single holdingNo recordkeeper disclosed11 service providers
Active participants
176
Accounts w/ balance
176
Plan assets (EOY)
$39.8M
Net assets (EOY)
$39.8M
How this plan invests
This plan
2 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
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
- Top holding "[DFE: NEWTOWER TRUST COMPANY MULTI-EMPLOYER PROPERTY TRUST (extraction pending)]" is 61% of plan.
- 67 bps in Schedule C fees — 132% 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 INTERNATIONAL ASSOCIATION OF HEAT & FROST INSULATORS & ALLIED.
Plan sponsor
Name
INTERNATIONAL ASSOCIATION OF HEAT & FROST INSULATORS & ALLIED
DBA
WORKERS LOCAL 78
EIN
63-0732852
Address
P.O. BOX 1449 · GOODLETTSVILLE, TN · 370701449
Phone
(615) 859-0131
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-12
Pension benefit codes
2C · Money purchase (other than target benefit)
Audit & trust (Schedule H)
Auditor
DANIELS, IRWIN & AYLOR
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
11 rowsOther
11| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HIGHLAND CAPITAL MANAGEMENT | 27-5440911 | MEMPHIS, TN | NONE | $107K | — |
| ULLICO | — | SILVER SPRING, MD | NONE | $43K | — |
| REYNOLDS CONSULTING SERVICES, LLC | 20-1899564 | HICKSVILLE, NY | NONE | $36K | — |
| SOUTHERN BENEFIT ADMINISTRATORS | 62-1116095 | GOODLETTSVILLE, TN | NONE | $28K | — |
| AMALGAMATED BANK | 13-4920330 | NEW YORK, NY | NONE | $23K | — |
| DANIELS, IRWIN & AYLOR | 62-1802605 | MADISON, TN | NONE | $19K | — |
| CCA BLACK, LP | 38-3889041 | SEWICKLEY, PA | NONE | $7K | — |
| QUINN CONNOR WEAVER DAVIES & ROUCO | 45-1444874 | BIRMINGHAM, AL | NONE | $4K | — |
| BOYD WATTERSON ASSET MANAGEMENT | 34-1922005 | CLEVELAND, OH | NONE | $0 | — |
| EXCHANGE TRADED & MONEY MARKET FDS | — | — | NONE | $0 | — |
| NEWTOWER TRUST | 20-1641876 | BETHESDA, MD | NONE | $0 | — |
Investments
24 direct securities · 2 pooled funds· $3.9M(10% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$2.8M
2 holdings
Uncategorized
$947K
23 holdings
Mutual Funds
$138K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MULTI-EMPLOYER PROPERTY TRUST NEW TOWER TRUST COMPANY · EIN 52-6218800 / PN 001 | Common Collective Trust | — | — | $1.7M | 4.3% | |
| LONGVIEW MIDCAP 400 INDEX FUND AMALGAMATED BANK · EIN 13-4920330 / PN 003 | Common Collective Trust | — | — | $1.1M | 2.7% | |
| Vanguard Institutional Target Retirement 2035 Fund | — | — | — | $162K | 0.4% | |
| s * Vanguard 500 Index Fund Admiral Shares | Mutual Funds | — | — | $138K | 0.3% | |
| Vanguard Institutional Target Retirement 2040 Fund | — | — | — | $118K | 0.3% | |
| Vanguard Institutional Target Retirement 2030 Fund | — | — | — | $96K | 0.2% | |
| Vanguard Institutional Target Retirement 2025 Fund | — | — | — | $71K | 0.2% | |
| Vanguard Institutional Target Retirement 2045 Fund | — | — | — | $70K | 0.2% | |
| Vanguard Growth Index Fund Admiral Shares | — | — | — | $67K | 0.2% | |
| Vanguard Total Bond Market Index Fund Admiral Shares | — | — | — | $52K | 0.1% | |
| Collective Trust * Vanguard Retirement Savings Trust III | — | — | — | $51K | 0.1% | |
| Vanguard Institutional Target Retirement 2050 Fund | — | — | — | $47K | 0.1% | |
| Vanguard Institutional Target Retirement Income Fund | — | — | — | $36K | <0.1% | |
| Vanguard Mid-Cap Index Fund Admiral Shares | — | — | — | $33K | <0.1% | |
| Vanguard Institutional Target Retirement 2020 Fund | — | — | — | $33K | <0.1% | |
| Vanguard Value Index Fund Admiral Shares | — | — | — | $31K | <0.1% | |
| Vanguard Developed Markets Index Fund Admiral Shares | — | — | — | $23K | <0.1% | |
| Vanguard Small-Cap Index Fund Admiral Shares | — | — | — | $14K | <0.1% | |
| Vanguard Emerging Markets Stock Index Fund Admiral Share | — | — | — | $12K | <0.1% | |
| Vanguard Total International Stock Index Fund Admiral Shares | — | — | — | $10K | <0.1% | |
| Vanguard Institutional Target Retirement 2055 Fund | — | — | — | $7K | <0.1% | |
| Vanguard Institutional Target Retirement 2060 Fund | — | — | — | $6K | <0.1% | |
| Vanguard Total International Bond Index Fund Admiral Shares | — | — | — | $4K | <0.1% | |
| Vanguard Institutional Target Retirement 2065 Fund | — | — | — | $2K | <0.1% | |
| Vanguard Federal Money Market Fund | — | — | — | $462 | <0.1% | |
| Vanguard Institutional Target Retirement 2070 Fund | — | — | — | $271 | <0.1% |