Heat & Frost Insulators and Allied Workers Local 6 Annuity Fund

• Opportunity

  Low participation

  Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

  Lines 6a and 6g
• Opportunity

  Low returns

  Annual investment return is in the bottom quintile of the peer cohort.

  Schedule H, line 2
• Opportunity

  Few collective trusts

  0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.

  Schedule H, line 4i

Industry

56 - Administrative and Support and Waste Management and Remediation Services

Plan type

Defined contribution

Participants

1,000-4,999

Cohort

390 peers

Snapshot

2025

Target-date series: Vanguard Target Retirement, mutual fund, 63% of fund dollars

Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.

• 2C
  Money purchase plan

  Money purchase pension plan other than a target benefit plan.
• 2F
  ERISA section 404(c) plan

  This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
• 2G
  Total participant-directed account plan

  Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
• 2T
  Default investment account

  Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.