Form 5500 · Employee benefit plan · ST. LOUIS, MO

BOARD OF TRUSTEES OF SMART LOCAL UNION NO. 36 WELFARE PLAN

The filing calls this plan INTERNATIONAL ASSOCIATION OF SHEET METAL, AIR, RAIL AND TRANSPORTATION WORKERS (SMART) LOCAL NO. 36 WELFARE PLAN.

BOARD OF TRUSTEES OF SMART LOCAL UNION NO. 36 WELFARE PLAN of ST. LOUIS, MO spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Coverage is written through EMPHESYS INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.

Benefits broker of record

Not disclosed

Insurance carrier

EMPHESYS INSURANCE COMPANY

Policy year ends

Decemberas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-0681778 · plan 501 · plan year 2024, filed Oct 15, 2025

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How this plan is funded

Fully insured as reported

The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.

A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.

All participants at the start of the year

1,618

Active at start of year

1,430

Active at end of year

1,433

Disclosed commissions

Typical renewal

January 1

Benefits declared on this filing

Healthinsured — EMPHESYS INSURANCE COMPANY870 of 1,618 participants (54%) on the largest contract

Dentaldeclared, not on Schedule A

Visiondeclared, not on Schedule A

Lifeinsured — THE UNION LABOR LIFE INSURANCE COMPANY1,457 of 1,618 participants (90%)

Disabilitydeclared, not on Schedule A

Also declared: other welfare.

Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.

Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.

Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.

Plan brief

Schedule A lists 5 insured contracts covering health, life and stop-loss; the largest, with EMPHESYS INSURANCE COMPANY, covers 870 people.

The filing declares health, life, dental, vision and disability. Dental, vision and disability appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.

The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.

Reported premium is $3,430,348; the filing discloses no broker commission on these contracts.

The health contract's policy period ended in December, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.

Schedule A insurance contracts

Carrier	Benefits	Covered	Renews	Premium	Commission
EMPHESYS INSURANCE COMPANY	Health	870	Jan 1, 2025	$2,255,961	$0
THE UNION LABOR LIFE INSURANCE COMPANY	Stop-loss	1,858	Jan 1, 2025	$943,432	$0
THE UNION LABOR LIFE INSURANCE COMPANY	Life	1,457	Aug 1, 2024	$136,059	$0
EMPHESYS INSURANCE COMPANY	Health	37	Jan 1, 2025	$93,635	$0
HUMANA INSURANCE COMPANY	Health	0	Jan 1, 2025	$1,261	$0

Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing

BOARD OF TRUSTEES OF SMART LOCAL UNION NO. 36 WELFARE PLAN

EIN 43-0681778

CIGNA HEALTH

Claims processing · Contract administrator · EIN 59-1031071

$661,312

paid directly by the plan

DELTA DENTAL OF MISSOURI

Claims processing · Contract administrator · EIN 43-0908349

$88,683

paid directly by the plan

LEGACY PROFESSIONALS LLP

Accounting and audit · Recordkeeping and information management · EIN 32-0043599

$71,213

paid directly by the plan

PREFERRED RESOURCE NETWORK INC

Named on Schedule C · EIN 43-1613278

$56,437

paid directly by the plan

RREEF AMERICA LLC

Named on Schedule C · EIN 58-2364506

$53,288

paid directly by the plan

MARSH & MCLENNAN

Recordkeeping and information management · EIN 26-3237576

$51,000

paid directly by the plan

SHELTON CAPITAL MANAGEMENT

Named on Schedule C · EIN 94-2970569

$50,714

paid directly by the plan

LIFE LINE SCREENING

Named on Schedule C · EIN 34-1839775

$28,428

paid directly by the plan

CHANGE HEALTH CARE

Claims processing · EIN 20-5799664

$27,745

paid directly by the plan

SYSTEMS DESIGN ASSOCIATES

Recordkeeping and information management · EIN 43-1228887

$20,645

paid directly by the plan

BYRNE SOFTWARE TECHNOLOGIES

Recordkeeping and information management · EIN 43-1853340

$20,340

paid directly by the plan

EKON BENEFITS

Named on Schedule C · EIN 43-1317863

$13,517

paid directly by the plan

MARQUETTE ASSOCIATES

Named on Schedule C · EIN 36-3485298

$13,000

paid directly by the plan

U.S. BANK NATIONAL ASSOCIATION

Custodian · EIN 31-0841368

$10,699

paid directly by the plan

AMWINS GROUP BENEFITS LLC

Claims processing · Contract administrator · EIN 05-0461576

$8,867

paid directly by the plan

CONNER ASH PC

Accounting and audit · Recordkeeping and information management · EIN 43-1012822

$7,567

paid directly by the plan

WEB CONNECTIVITY LLC

Recordkeeping and information management · EIN 35-2070190

$6,484

paid directly by the plan

The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.

Money the plan held and paid out

Plan assets at year end

$60,673,039

Paid out in benefits

$35,806,925

Paid to insurance carriersSchedule H, line 2e(2)

$3,564,187

Independent accountantEIN 32-0043599

LEGACY PROFESSIONALS LLP

Accountant's opinion (Schedule H, line 3a)

Unmodified

Audit fee

$41,637

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.

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