2017-10-02T12:28:40-04:00 2016-12-31 431555780 MICHAEL CUMMINS CPA PC 3 THE THE PINES CT STE E Saint Louis MO 63141 990 2016-01-01 436158894 HEAT AND FROST INSULATORS ST LOUIS HEAT 502 EARTH CITY EXPRESSWAY Earth City MO 63045 ROBERT ACKMAN TRUSTEE 2017-10-13 false MICHAEL CUMMINS CPA P00845049 3146289494 2017-10-02 108.72.14.112 2017-10-18 12:36:34 4301482017291fjvqxjb 2017-10-18 P 122CB133886FC8F7590557DA63AD9D0B37DB1FFE 122CB133886FC8F7590557DA63AD9D0B37DB1FFE 2016 2021-01-29 14:40:06Z WELFARE FUND 9312636 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 7052164 9166472 106520 118659 1488 27505 7160172 9312636 0 6395529 8081576 0 0 0 705748 721992 7101277 8803568 58895 509068 19248712 21300124 146178 174502 19102534 21125622 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 true 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 906 0 false 0 false false false false false false false X 6 1 false true true false true true false true true false false true false false false false false false X X ZENITH ADMINISTRATORS 3143448899 502 EARTH CITY EXPRESSWAY SUITE 203 Earth City MO 63045 X X Robert Ackman Chairman 1.00 0.00 X 0 0 0 Johnny Thornburgh Trustee 1.00 0.00 X 0 0 0 Thomas P Leahy Trustee 1.00 0.00 X 0 0 0 Brian Oeltjen Trustee 1.00 0.00 X 0 0 0 Gary Payeur Trustee 1.00 0.00 X 0 0 0 Tom Walsh Trustee 1.00 0.00 X 0 0 0 0 0 0 0 false false false ZENITH AMERICAN SOLUTIONS 502 EARTH CITY EXPRESSWAY Earth City MO 63045 ADMINSTRATION 282086 AETNA 151 Farmington Ave Hartford CT 06156 PPO 174995 2 EMPLOYER CONTRIBUTIONS 525100 6887056 6887056 MEMBER CONTRIBUTIONS 525100 1329562 1329562 RECIPROCITY CONT 525100 21227 21227 REIMBURSEMENTS 525100 928627 928627 9166472 118659 118659 OTHER 525100 27505 27505 27505 9312636 9312636 0 0 8081576 282086 59605 6000 53788 243726 21437 7071 PRINTING 14645 14645 POSTAGE 19808 19808 MISCELLANEOUS 13826 13826 8803568 0 0 0 2461246 2180428 458965 1324026 5505877 5553689 10822624 12241981 19248712 21300124 146178 174502 146178 174502 X 19102534 21125622 19102534 21125622 19248712 21300124 X 509068 1514022 -2 X false true X true false 401H ACCOUNT 12241981 12241981 X 9816738 1514022 1514022 8302716 53788 956132 1009920 9312636 7793655 7793655 53788 956125 1009913 8803568 Other revenues included on Form 990 (Part XI, line 4b) Stop loss reimbursements $ 79,709 netted against benefits paid on financial statements shown as revenue on 990Other reimbursements $ 111,333 netted against benefits paid on financial statements shown as revenue on 990Investment expenses $ 55,256 Investement expenses netted against investment income on financial statements shown as expenses on form 990. Other expenses included on Form 990 (Part XII, line 4b) Stop loss reimbursements $ 79,709 netted against benefits paid on financial statements shown as revenue on 990Other reimbursements $ 111,333 netted against benefits paid on financial statements shown as revenue on 990Investment expenses $ 55,256 Investement expenses netted against investment income on financial statements shown as expenses on form 990. Footnote for uncertain tax position under FIN 48 (Part X) The Heat and Frost Insulators St. Louis Welfare Fund is exempt from Federal income tax per Internal Revenue Code Section 501 (c) (9). 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 THE FORM 990 IS REVIEWED BY THE TRUSTEES AT A MEETING PRIOR TO 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 PERSONNAL 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. 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 BRAND ENERGY SERVICES LLC N/A BROCK INDUSTRIAL SERVICES N/A ENVIROTECH INC N/A FIRESTOP TECHNOLOGIES N/A GILLESPIE AND POWERS INC N/A GALT INDUSTRIES N/A INSUL & SUPPLIES CORP N/A INSULATION MASTERS INC N/A ISS INSULATION SERVICES & SOLU N/A KASKASKIA MECH INSULATION CO 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 MELCO INSULATION N/A METRO INSULATION INC 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 SCHILLINGER INSULATING N/A SIDNEY INSULATION INC N/A SPRINKMANN INSULATION N/A STONE AND WEBSTER N/A TDK MECHANICAL SERVICES N/A THERMAL INDUSTRIAL INSULATION N/A THORNBURGH ABATEMENT INC N/A THORNBURGH INSULATION INC N/A TRIANGLE ENTERPRISES INC N/A UNITED THERMAL INDUSTRIES N/A WALSH INSULATION SERVICES N/A URS Energy Construction N/A INTEGRITY INSULATION LLC N/A BUDROVICH SPECIALTY GRP LLC N/A CENTRAL SERVICES N/A CLAY PIPING SYSTEMS N/A INTEGRITY INSULATION N/A SOUTHERN ILLINOIS UNIV EDWARD N/A TAMCO SERVICES INC N/A THORNBURGH ABATEMENT INC N/A TRENHOLM MECHANICAL INSULATIO N/A ABATECO INC N/A UNITED MECHANICAL INSULATI N/A AES LLC N/A CB&I N/A EDWARDS-KAMADULSKI LLC N/A