2020-08-16T14:49:58-04:00 2019-12-31 431555780 MICHAEL CUMMINS CPA PC 2 City Place Dr Ste 200 Saint Louis MO 63141 990 2019-01-01 436158894 HEAT AND FROST INSULATORS ST LOUIS HEAT 502 EARTH CITY EXPRESSWAY Earth City MO 63045 GARY PAYUER CHAIRMAN 2020-08-06 false MICHAEL CUMMINS CPA P00845049 3147163543 2020-08-16 108.206.223.115 2020-08-16 14:50:51 4301482020229awv0u3r 2020-08-16 P 0E07AF5911D95ADEA75CE506DEFA6429E4DF8B05 0E07AF5911D95ADEA75CE506DEFA6429E4DF8B05 2019 2020-09-22 18:59:49Z WELFARE FUND 10546871 false X X 1953 MO The Heat and Frost Insulators St. Louis Welfare Fund is a Taft-Hartley Trust established to provide hospital, medical, dental, disability, and life insurance benefits to eligible members of the International Association of Heat and Frost Insulators and Allied Workers Local No. 1 6 1 0 0 0 0 8861230 8583918 235649 235597 0 9096879 8819515 0 7461029 6832018 0 0 0 748228 984999 8209257 7817017 887622 1002498 25166422 30409965 164350 184782 25002072 30225183 The Heat and Frost Insulators St. Louis Welfare Fund is a Taft-Hartley Trust established to provide hospital, medical, dental, disability, and life insurance benefits to eligible members of the International Association of Heat and Frost Insulators and Allied Workers Local No. 1 The Heat and Frost Insulators St. Louis Welfare Fund is a Taft-Hartley Trust established to provide hospital, medical, dental, disability, and life insurance benefits to eligible members of the International Association of Heat and Frost Insulators and Allied Workers Local No. 1 false false false false false false false false false false false false true false false true false false false false false false false false false false false false true false false false false false false false false false false false true false false false true X 490 0 true 0 false false false false false false false false false false false false X 6 1 false true true false true true false true true false false true true true true true false false false false X X ZENITH ADMINISTRATORS 3143448899 502 EARTH CITY EXPRESSWAY SUITE 203 Earth City MO 63045 X Robert Ackman Trustee 1.00 0.00 X 8084 0 0 Johnny Thornburgh Trustee 1.00 0.00 X 0 0 0 Thomas P Leahy Trustee 1.00 0.00 X 4151 0 0 Chris Lyles Trustee 1.00 0.00 X 0 0 0 Gary Payeur Chairman 1.00 0.00 X 0 0 0 Dan Eaker Trustee 1.00 0.00 X 0 0 0 Tom Walsh Trustee 1.00 0.00 X 0 0 0 12235 0 0 0 true false false ZENITH AMERICAN SOLUTIONS 502 EARTH CITY EXPRESSWAY Earth City MO 63045 ADMINSTRATION 286485 AETNA 151 Farmington Ave Hartford CT 06156 PPO 197153 2 EMPLOYER CONTRIBUTIONS 525100 7274034 7274034 MEMBER CONTRIBUTIONS 525100 1309884 1309884 8583918 228613 228613 1734340 1727356 1734340 -1727356 6984 6984 8819515 8819515 0 0 X 6832018 286485 28976 6300 66321 531792 18514 7912 PRINTING 13049 13049 POSTAGE 12213 12213 MISCELLANEOUS 4113 4113 TRUSTEE FEES 9324 9324 7817017 0 0 0 3313478 4189457 886853 667265 6611375 7915202 14354716 17638041 25166422 30409965 164350 184782 164350 184782 X 25002072 30225183 25002072 30225183 25166422 30409965 1002498 4220613 0 X false true X true false 401H ACCOUNT 17638041 17638041 12973807 4220613 4220613 8753194 66321 66321 8819515 7750696 7750696 66321 66321 7817017 Tom Walsh Trustee Management duties delegation Part VI line 3 The plan engages Zenith American Solutions to assist the trustees in managing the plan. Organizational document changes Part VI line 4 The plan makes various amendments and changes during the year to its benefits which are communicated to the participants. Members or stockholder classes and rights Part VI line 6 Participants in the Health and Welfare Plan Member election for additional members Part VI line 7a Participants may elect Labor Trustees Form 990 governing body review Part VI line 11 A draft of the form 990 was provided to the trustees prior to the filing. Conflict of interest policy compliance Part VI line 12c Conflicts of interest if any are addressed by trustees at board meetings Governing documents etc available to public Part VI line 19 All documents are available to participants of the plan. Confidential information such as medical records and personal information of the participants is not. The form 5500 and form 990 are available to the public. The form 5500 is published on EFAST the Department of Labor Website and the form 990 is published on GuideStar. Also, the form 5500 and form 990 are available by request at the office of Zenith American Solutions. Explanation of other changes in net assets or fund balances Part XI line 9 Rounding Unable to secure related organizations compensation Part VII Col D E Compensation paid by related organizations is not reported since the information was not provided to the preparer of the form 990. List of other fees for services expenses Part IX line 11g PPO access fee 197,153, Consultants 61,940, Actuary 6,750 Pharmacy fee 264,131, Independent Medical Review 768Physical Fees 1,050 Part V response or note to any other line in Part V PART V line 2aThe fund paid $ 100 gift certificate to 101 members as an incentive to get a Physical. According to the IRS, gift certificates that are redeemable for general merchandise or have a cash equivalent value are not de minimis and are taxable. These were not reported on a form W-2 however the members were informed the amounts were taxable, INT ASSC HEAT AND FROST INSULA 3325 HOLLENBERG DRIVE Bridgeton MO 63044 430337341 LABOR UNION MO 501C5 NONE false INT ASS HEAT AND FROST APPR 3325 HOLLENBERG DRIVE Bridgeton MO 63044 APPRENTICESHIP FUND MO 501C5 N/A false Master Insulators of St Louis 1020 Fox Chase Industrial Driv Arnold MO 630101302 431348081 Association MO 501c5 N/A false ADY INSULATION N/A API N/A BI STATE INSULATION INC N/A FIRESTOP TECHNOLOGIES N/A INSUL & SUPPLIES CORP N/A INSULATION MASTERS INC N/A LMB COMPANIES LLC AP N/A LORMAR INSULATION COMPANY N/A GRP MECHANICAL CO INC N/A M & O INSULATION CO N/A MIDWEST MECHANICAL INSUL INC N/A PARAGON PIPECOVERERS INC N/A PREMIER INSULATION N/A PRO FIRE STOP N/A PRO INSULATION N/A REBEL INC N/A SIDNEY INSULATION INC N/A SPRINKMANN INSULATION N/A TDK MECHANICAL SERVICES N/A THERMAL INDUSTRIAL INSULATION N/A THORNBURGH INSULATION INC N/A TRIANGLE ENTERPRISES INC N/A WALSH INSULATION SERVICES N/A INTEGRITY INSULATION LLC N/A BUDROVICH SPECIALTY GRP LLC N/A CENTRAL SERVICES N/A CLAY PIPING SYSTEMS N/A TRENHOLM MECHANICAL INSULATIO N/A UNITED MECHANICAL INSULATI N/A EDWARDS-KAMADULSKI LLC N/A Allied Power N/A Apache N/A BHI Energy N/A Kaskaskia Mechanical Insulaiton Co N/A STL Direct Mechanical N/A WCM N/A WMC N/A BRANDSAFWAY INDUSTRIES LLC N/A GALT INDUSTRIES N/A MCNAMEE MECHANICAL INSLTN LLC N/A SI THERMAL LLC N/A THERMAL SOLUTIONS N/A