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Original filing (PDF)20251012091507NAL0000428352003
INTL ASSOC OF HEAT & FROST INSULATORS & ALLIED WORKERS LOCAL
Form 5500
FILING_RECEIVED
INTL ASSOC OF HEAT & FROST INSULATORS & ALLIED WORKERS LOCAL 78 HEALTH & WELFARE PLAN
Health & welfare plan
Signals · 3
~298 bps in Sched C feesNo recordkeeper disclosed10 service providers
Active participants
119
Accounts w/ balance
—
Plan assets (EOY)
$9.0M
Net assets (EOY)
$8.9M
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
- 298 bps in Schedule C fees — 473% above peer band of 52 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 INTL ASSOC OF HEAT & FROST INSULATORS & ALLIED WORKERS LOCAL.
Plan sponsor
Name
INTL ASSOC OF HEAT & FROST INSULATORS & ALLIED WORKERS LOCAL
DBA
78
EIN
63-1149541
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
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-12
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
DANIELS, IRWIN & AYLOR CPAS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
10 rowsOther
10| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA | 63-0103830 | BIRMINGHAM, AL | NONE | $110K | — |
| SOUTHERN BENEFIT ADMINISTRATORS | 62-1116095 | GOODLETTSVILLE, TN | NONE | $73K | — |
| BHA CONSULTING LLC | 26-1384808 | SUWANEE, GA | NONE | $26K | — |
| HIGHLAND CAPITAL MANAGEMENT | 27-5440911 | MEMPHIS, TN | NONE | $21K | — |
| DANIELS, IRWIN & AYLOR, CPAS | 62-1802605 | MADISON, TN | NONE | $14K | — |
| REGIONS BANK | 63-0371391 | BIRMINGHAM, AL | NONE | $9K | — |
| AMALGAMATED BANK | 13-4920330 | NEW YORK, NY | NONE | $6K | — |
| REYNOLDS CONSULTING SERVICES LLC | 20-1899564 | HICKSVILLE, NY | NONE | $6K | — |
| QUINN CONNOR WEAVER DAVIES & ROUCO | 45-1444874 | BIRMINGHAM, AL | NONE | $2K | — |
| MONEY MARKET FUND | — | — | NONE | $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.