Heat and Frost Insulators Local 47 Retirement Savings Trust Fund retirement plan: assets, participants and fees
What Heat and Frost Insulators Local 47 Retirement Savings Trust Fund's retirement plan plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Tic Midwest | Schedule C ↗ |
| Independent auditor | Benda, Grace, Stulz & Co., P.C. (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,392 defined-contribution plans in construction with 100 to 499 participants.
| Heat and Frost Insulators Local 47 Retirement Savings Trust Fund: employer contribution per participant | $4,141 | |
| Peer median | $2,501 |
| Heat and Frost Insulators Local 47 Retirement Savings Trust Fund: average balance | $6,918 | |
| Peer median | $71,471 |
| Heat and Frost Insulators Local 47 Retirement Savings Trust Fund: admin expenses ÷ assets | 4.66% | |
| Peer median | 0.39% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $171K at the end of plan year 2023 to $2.7M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 397 | $2.7M | $1.6M | $4,141 | 4.66% | Not published | Form 5500 ↗ |
| 2024 | 365 | $1M | $932K | $2,554 | 13.68% | Not published | Form 5500 ↗ |
| 2023 | 248 | $171K | $190K | $768 | 11.57% | Not published | Form 5500 ↗ |
Common questions
Does Heat and Frost Insulators Local 47 Retirement Savings Trust Fund match 401(k) contributions?
The match terms for the Heat and Frost Insulators Local 47 Retirement Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $1.6M in employer contributions, about $4,141 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Heat and Frost Insulators Local 47 Retirement Savings Trust Fund 401(k) match vested?
The vesting schedule for the Heat and Frost Insulators Local 47 Retirement Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Heat and Frost Insulators Local 47 Retirement Savings Trust Fund 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Tic Midwest. The plan administrator is Heat and Frost Insulators Local 47 Retirement Savings Trust Fund.
I left Heat and Frost Insulators Local 47 Retirement Savings Trust Fund. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Heat and Frost Insulators Local 47 Retirement Savings Trust Fund, (517) 321-7502) or the recordkeeper, Tic Midwest. The Heat and Frost Insulators Local 47 Retirement Savings Trust Fund old 401(k) page lists the contacts from every plan filing. Find an old Heat and Frost Insulators Local 47 Retirement Savings Trust Fund 401(k)
Data from the public Form 5500 annual reports Heat and Frost Insulators Local 47 Retirement Savings Trust Fund filed with the U.S. Department of Labor (plan years 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Heat and Frost Insulators Local 47 Retirement Savings Trust Fund. Not financial advice. Report a correction · Methodology