2021-10-30T11:30:53-04:00 2020-12-31 431555780 MICHAEL CUMMINS CPA PC 2 City Place Dr Ste 200 Saint Louis MO 63141 990 2020-01-01 436158894 HEAT AND FROST INSULATORS ST LOUIS HEAT 502 EARTH CITY EXPRESSWAY Earth City MO 63045 CHRIS LYLES TRUSTEE 2021-10-13 false CHRIS LYLES MICHAEL CUMMINS CPA P00845049 3147163543 2021-10-30 0 00 AAL1 IAL1 2020 2022-09-23 18:48:47Z X WELFARE FUND 8393832 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 8583918 7351218 235597 173944 0 8819515 7525162 0 6832018 6691338 0 0 0 984999 728475 7817017 7419813 1002498 105349 30409965 33615064 184782 118047 30225183 33497017 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 false false false false false false false false false false false false true false false false true X 2000 0 true 0 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 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 5039 0 1473 Thomas P Leahy Trustee 1.00 0.00 X 3657 0 0 Gary Payeur Trustee 1.00 0.00 X 0 0 0 Dan Eaker Trustee 1.00 0.00 X 0 0 0 Johnny Thornburgh Trustee 1.00 0.00 X 0 0 0 Chris Lyles Chairman 1.00 0.00 X 0 0 0 8696 0 1473 0 false false false ZENITH AMERICAN SOLUTIONS 502 EARTH CITY EXPRESSWAY Earth City MO 63045 ADMINSTRATION 318890 AETNA 151 Farmington Ave Hartford CT 06156 PPO 174491 2 EMPLOYER CONTRIBUTIONS 525100 5947415 5947415 MEMBER CONTRIBUTIONS 525100 1403803 1403803 7351218 173065 173065 869549 868670 879 879 879 7525162 7525162 0 0 X 6691338 318822 44146 6400 71164 249305 4277 7526 PRINTING 8062 8062 POSTAGE 6401 6401 MISCELLANEOUS 4450 4450 TRUSTEE FEES 7922 7922 7419813 0 0 0 4189457 3852858 667265 919189 7915202 8669881 17638041 20173136 30409965 33615064 184782 118047 184782 118047 X 30225183 33497017 30225183 33497017 30409965 33615064 X 105349 3166484 1 X false true X true false 401H ACCOUNT 20173136 20173136 10620483 3166584 3166584 7453899 71164 -1 71163 7525062 7348649 7348649 71164 71164 7419813 Amended return information Compensation for contractors being paid more that $ 100,000 was not included on original return.One trustee was deleted becuase they were not a trustee during the year. Compensation of trustees was not reported on orignal return 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 174,491, Dependent audit 5,073 consultants 69,741 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 A & W PLUMBING & HEATING N/A ADY INSULATION N/A ALLIED POWER LLC N/A APACHE INDUSTRIAL UNITED INC N/A API N/A BHI ENERGY N/A BI STATE INSULATION INC N/A BRANDSAFWAY INDUSTRIES LLC N/A BUDROVICH SPECIALTY GRP LLC N/A CENTRAL SERVICES N/A FIRESTOP TECHNOLOGIES N/A FLUOR CONSTRUCTORS INTL INC N/A GALT INDUSTRIES N/A GRP MECHANICAL CO INC N/A INSUL & SUPPLIES CORP N/A INSULATION MASTERS INC N/A INTEGRITY INSULATION N/A IOWA-ILLINOIS THERMAL INS N/A KASKASKIA MECH INSULATION CO N/A LMB COMPANIES LLC N/A M & O INSULATION CO N/A MCNAMEE MECHANICAL INSLTN LLC N/A MERIT MECHANICAL 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 SI THERMAL LLC N/A SIDNEY INSULATION INC N/A SPRINKMANN INSULATION N/A STL DIRECT MECHANICAL N/A THORNBURGH INSULATION INC N/A TRENHOLM MECHANICAL INSULATIO N/A TRIANGLE ENTERPRISES INC N/A UNITED MECHANICAL INSULATION N/A WALSH INSULATION SERVICES N/A