2013-10-14T19:05:05-05:00 2012-12-31 431555780 MICHAEL CUMMINS CPA PC 3 THE THE PINES CT STE E Saint Louis MO 63141 990 2012-01-01 436158894 HEAT AND FROST INSULATORS ST LOUIS HEAT 502 EARTH CITY EXPRESSWAY Earth City MO 63045 CHRIS LYLES 2013-10-14 false MICHAEL CUMMINS CPA P00845049 3146289494 2013-10-14 2012 2016-02-25 16:41:14Z WELFARE FUND 8136478 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 4 4 0 0 0 0 10725984 6494625 165464 115577 0 10891448 6610202 0 8746790 6407820 8617 8266 0 0 477629 618764 9233036 7034850 1658412 -424648 15651833 16201801 523158 98924 15128675 16102877 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 7034850 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 7034850 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 1106 0 0 false false false false false false false X 4 4 false true true false true true false true true false false true false false false false false false X X ZENITH AMERICAN SOLUTIONS 3143448899 502 EARTH CITY EX EARTH CITY MO 63045 Christopher Lyles 1.00 X 0 0 0 Robert W Lotich Jr 1.00 X 4078 0 0 Thomas P Leahy 1.00 X 4188 0 0 Thomas P Walsh 1.00 X 0 0 0 8266 0 0 0 false false false ZENITH AMERICAN SOLUTIONS 502 EARTH CITY EXPRESSWAY Earth City MO 63045 ADMINSTRATION 257881 UNITED HEALTH CARE 5901 LINCOLN DRIVE Saint Louis Park MN 55436 PPO 192747 2 EMPLOYER CONTRIBUTIONS 525100 5195549 5195549 MEMBER CONTRIBUTIONS 525100 880455 880455 RECIPROCITY CONT 525100 95472 95472 INSURANCE STOP LOSS 525100 121535 121535 REIMBURSEMENTS 525100 201614 201614 6494625 110820 110820 1531033 1526276 4757 4757 4757 6610202 6610202 0 0 6407820 8266 257881 42228 5600 49309 215396 20582 6846 PRINTING 6314 6314 POSTAGE 12657 12657 MISCELLANEOUS 1951 1951 7034850 0 0 0 4001970 3766144 548232 422728 3942377 3847701 7159254 8165228 15651833 16201801 523158 98924 523158 98924 X 15128675 16102877 15128675 16102877 15651833 16201801 X -424648 1398851 -1 X false true X true false 401H ACCOUNT 8165228 8165228 X 7636594 1398849 1398849 6237745 49310 323147 372457 6610202 6662391 6662391 49310 323149 372459 7034850 D10 Other revenues included on Form 990 Part XI line 4b Reimbursements of $ 323,149 were netted against benefits on audited financial statements but are revenue on form 990 D12 Other expenses included on Form 990 Part XII line 4b Add back Stop loss reimbursements of $ 323,149 netted against benefits paid D13 Footnote for uncertain tax position under FIN 48 Part X NOTE- 9 TAX STATUS The Heat and Frost Insulators St. Louis Welfare Fund is exempt from Federal income tax per Internal Revenue Code Section 501 (c) (9). Accounting principles generally accepted in the United States of America require Plan management to evaluate tax positions taken by the Plan and recognize a tax liability (or asset) if the organization has taken an uncertain position that more likely than not would not be sustained upon examination by the Internal Revenue Service. The Plan administrator has analyzed the tax positions taken by the plan, and has concluded that as of December 31, 2012, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. O01 Management duties delegation Part VI line 3 THE PLAN ENGAGES ZENITH AMERICAN SOLUTIONS TO ASSIST THE TRUSTEES IN MANAGING THE PLAN O02 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. O03 Members or stockholder classes and rights Part VI line 6 Participants in the Health and Welfare Plan O04 Member election for additional members Part VI line 7a Participants may elect Labor Trustees O05 Form 990 governing body review Part VI line 11 THE FORM 990 IS REVIEWED BY THE TRUSTEES AT A MEETING PRIOR TO FILING O06 Conflict of interest policy compliance Part VI line 12c CONFLICTS OF INTEREST IF ANY ARE ADDRESSED BY TRUSTEES AT BOARD MEETINGS O07 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. O08 Explanation of other changes in net assets or fund balances Part XI line 9 ROUNDING 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 ABATECO INC N/A ADY INSULATION N/A API N/A BI STATE INSULATION INC N/A BRAND ENERGY SERVICES LLC N/A BRAND SCAFFOLD RENTAL & ERECTI N/A CENMECH LLC N/A ENVIROTECH INC N/A FIRESTOP TECHNOLOGIES N/A FRANCE MECHANICAL CORPORATION 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 N/A LORMAR INSULATION COMPANY N/A LUSE STEVENSON 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 WASHINGTON GROUP INTERNATIONAL N/A INTEGRITY INSULATION LLC N/A false false false false false false false false false false false false false false false false false false false