# Heat and Frost Insulators and Allied Workers Local No. 4 Pension Plan

Heat and Frost Insulators and Allied Workers Local No. 4 Pension Plan is a Pension Fund based in Buffalo, United States.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** Buffalo, United States
- **Region:** North America
- **Address:** Buffalo, NY, United States
- **Assets under management:** Undisclosed
- **Website:** insulators4.org
- **LinkedIn:** linkedin.com/company/heat-and-frost-insulators-and-allied-workers-local-no-4-welfare

## Regulatory record

- **Reports private funds:** No

## About

Heat and Frost Insulators and Allied Workers Local No. 4 Pension Plan is a private sector pension fund based in Buffalo, US. It manages approximately $18 million in assets, primarily serving North America.

## Questions

### What is the governance structure of this pension plan?

As a Taft-Hartley multiemployer plan, it is jointly trusteed. Half the Board of Trustees is appointed by Heat and Frost Insulators Local No. 4, and half by the contributing contractors who employ union members. All investment, benefit, and administrative decisions require majority board approval. This equal-representation structure is mandated by the Labor Management Relations Act of 1947.

### Is this plan part of the International's National Pension Fund?

Local 4 historically maintained its own stand-alone defined-benefit plan rather than participating exclusively in the International Association of Heat and Frost Insulators National Pension Fund. However, Taft-Hartley locals sometimes participate in a national fund while retaining a local annuity or defined-contribution plan for supplemental benefits. Without recent Form 5500 filings, the exact relationship cannot be confirmed.

## Related profiles

- [Heartland Wealth Advisors](https://altss.com/profile/heartland-wealth-advisors)
- [Heat & Frost Insulators & Allied Workers Local 32](https://altss.com/profile/heat-frost-insulators-allied-workers-asbestos-workers-local-32)

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Last updated: 2026-06-03T20:00:00.000Z

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