| Pipefitters Union-537 Welfare Fund |
| Employer Identification Number (EIN) | 042167074 |
| Name of Organization | Pipefitters Union-537 Welfare Fund |
| Address | 35 Travis St Unit 1, Allston, MA 02134-1251 |
| Activities | Employee or member welfare association, Other health services, Sick, accident, death, or similar benefits |
| Subsection | Voluntary Employees' Beneficiary Association (Non-Govt. Emps.) |
| Ruling Date | 02/1955 |
| Deductibility | Contributions are not deductible |
| Foundation | All organizations except 501(c)(3) |
| Organization | Trust |
| Exempt Organization Status | Unconditional Exemption |
| Tax Period | 02/2011 |
| Assets | $10,000,000 to $49,999,999 |
| Income | $10,000,000 to $49,999,999 |
| Filing Requirement | 990 (all other) or 990EZ return |
| Asset Amount | $24,724,290 |
| Amount of Income | $26,179,641 |
| Form 990 Revenue Amount | $24,794,818 |
| National Taxonomy of Exempt Entities (NTEE) | Health - General and Rehabilitative: |
| Revenue, Expenses, and Changes in Net Assets or Fund Balances |
| 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 |
| Total revenue | $16,424,336 | $17,915,042 | $17,862,105 | $15,352,244 | $15,564,578 | $16,054,396 | $19,747,774 | $24,460,718 |
| Contributions, gifts, grants, and similar amounts received | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Contributions to donor advised funds | | | | | | | $0 | $0 |
| Direct public support | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Indirect public support | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Government contributions (grants) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Program service revenue including government fees and contracts | $15,064,440 | $16,573,850 | $17,068,297 | $13,694,000 | $14,223,382 | $14,899,857 | $17,365,917 | $23,452,747 |
| Membership dues and assessments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Interest on savings and temporary cash investments | $644,101 | $168,467 | $636,057 | $127,507 | $28,383 | $41,084 | $50,455 | $1,095,323 |
| Dividends and interest from securities | $1,012,241 | $1,021,408 | $462,741 | $783,895 | $813,602 | $1,286,983 | $1,567,930 | $349,457 |
| Net rental income or (loss) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross rents | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Less: rental expenses | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other investment income | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gain or (loss) from sales of assets other than inventory | $-296,446 | $151,317 | $-304,990 | $746,842 | $499,211 | $-173,528 | $763,472 | $-436,809 |
| Gross amount from sales of assets other than inventory | $0 | $151,317 | $0 | $746,842 | $13,576,120 | $9,528,198 | $12,762,189 | $6,269,615 |
| Less: cost or other basis and sales expenses | $296,446 | $0 | $304,990 | $0 | $13,076,909 | $9,701,726 | $11,998,717 | $6,706,424 |
| Net income or (loss) from special events and activities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Less: direct expenses other than fundraising expenses | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross profit or (loss) from sales of inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross sales of inventory, less returns and allowances | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Less: cost of goods sold | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total expenses | $43,252,666 | $12,828,003 | $15,203,922 | $17,722,618 | $20,805,253 | $22,159,361 | $25,162,340 | $28,333,147 |
| Program services | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Management and general | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Fundraising | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Payments to affiliates | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net assets or fund balances at end of year | $10,066,231 | $45,742,609 | $44,296,477 | $49,842,606 | $47,037,707 | $42,323,917 | $38,076,031 | $32,698,459 |
| Excess or (deficit) for the year | $-26,828,330 | $5,087,039 | $2,658,183 | $-2,370,374 | $-5,240,675 | $-6,104,965 | $-5,414,566 | $-3,872,429 |
| Net assets or fund balances at beginning of year | $34,399,392 | $42,328,678 | $45,742,609 | $44,296,478 | $49,842,606 | $47,037,707 | $42,323,917 | $38,076,031 |
| Other changes in net assets or fund balances | $2,495,169 | $-1,673,108 | $-4,104,315 | $7,916,502 | $2,435,776 | $1,391,175 | $1,166,680 | $-1,505,143 |
| Statement of Functional Expenses (for 2007) |
| Total | Program services | Management and general | Fundraising |
| Total functional expenses | $28,333,147 | $0 | $0 | $0 |
| Grants paid from donor advised funds | | $0 | | |
| Other grants and allocations | | $0 | | |
| Specific assistance to individuals | | $0 | | |
| Benefits paid to or for members | | $25,905,002 | | |
| Compensation of current officers, directors, key employees, etc. | $55,658 | $0 | $0 | $0 |
| Compensation of former officers, directors, key employees, etc. | $0 | $0 | $0 | $0 |
| Compensation and other distributions, not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) | $0 | $0 | $0 | $0 |
| Salaries and wages of employees not included above | $138,759 | $0 | $0 | $0 |
| Pension plan contributions not included above | $0 | $0 | $0 | $0 |
| Employee benefits not included above | $48,664 | $0 | $0 | $0 |
| Payroll taxes | $10,813 | $0 | $0 | $0 |
| Professional fundraising fees | $0 | $0 | $0 | $0 |
| Accounting fees | $32,500 | $0 | $0 | $0 |
| Legal fees | $14,515 | $0 | $0 | $0 |
| Supplies | $5,122 | $0 | $0 | $0 |
| Telephone | $2,296 | $0 | $0 | $0 |
| Postage and shipping | $4,733 | $0 | $0 | $0 |
| Occupancy | $0 | $0 | $0 | $0 |
| Equipment rental and maintenance | $20,261 | $0 | $0 | $0 |
| Printing and publications | $0 | $0 | $0 | $0 |
| Travel | $0 | $0 | $0 | $0 |
| Conferences, conventions, and meetings | $12,918 | $0 | $0 | $0 |
| Interest | $0 | $0 | $0 | $0 |
| Depreciation, depletion, etc. | $0 | $0 | $0 | $0 |
| Other expenses not covered above | $2,081,906 | $0 | $0 | $0 |
| Balance Sheets |
| 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 |
| Total assets | $43,527,622 | $47,804,006 | $46,735,317 | $50,536,030 | $47,849,938 | $42,793,836 | $41,035,277 | $34,789,856 |
| Cash - non-interest-bearing | $150 | $150 | $150 | $150 | $150 | $150 | $150 | $0 |
| Savings and temporary cash investments | $8,583,820 | $12,670,655 | $13,908,737 | $4,436,607 | $4,160,588 | $1,866,271 | $4,266,262 | $3,212,501 |
| Accounts receivable less allowance for doubtful accounts | $1,787,870 | $2,549,435 | $2,082,216 | $1,566,505 | $1,623,812 | $1,729,400 | $1,998,375 | $2,340,848 |
| Pledges receivable less allowance for doubtful accounts | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Grants receivable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Receivables from current and former officers, directors, trustees, and key employees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Receivables from other disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) | | | | | | | $0 | $0 |
| Other notes and loans receivable less allowance for doubtful accounts | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventories for sale or use | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Prepaid expenses and deferred charges | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Investments - publicly-traded securities | | | | | | | $8,352,267 | $9,674,266 |
| Investments - other securities | $24,959,810 | $19,623,980 | $15,935,877 | $17,781,784 | $14,316,091 | $13,220,648 | $0 | $0 |
| Investments - land, buildings, and equipment less accumulated depreciation | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Investments - other | $6,775,741 | $11,136,339 | $12,476,067 | $24,122,735 | $24,749,297 | $22,777,367 | $23,018,223 | $15,762,241 |
| Land, buildings, and equipment less accumulated depreciation | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other assets, including program-related investments | $1,420,231 | $1,823,447 | $2,332,270 | $2,628,249 | $3,000,000 | $3,200,000 | $3,400,000 | $3,800,000 |
| Total liabilities | $33,461,391 | $2,061,397 | $2,438,839 | $693,424 | $812,231 | $469,919 | $2,959,246 | $2,091,397 |
| Accounts payable and accrued expenses | $2,937,147 | $193,503 | $218,989 | $232,233 | $237,778 | $280,603 | $265,877 | $1,921,336 |
| Grants payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Deferred revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Loans from officers, directors, trustees, and key employees | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Tax-exempt bond liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Mortgages and other notes payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other liabilities | $30,524,244 | $1,867,894 | $2,219,850 | $461,191 | $574,453 | $189,316 | $2,693,369 | $170,061 |
| Total liabilities and net assets/fund balances | $43,527,622 | $47,804,006 | $46,735,317 | $50,536,030 | $47,849,938 | $42,793,836 | $41,035,277 | $34,789,856 |
| Total net assets or fund balances | $10,066,231 | $45,742,609 | $44,296,478 | $49,842,606 | $47,037,707 | $42,323,917 | $38,076,031 | $32,698,459 |
| Total number of officers, directors, and trustees permitted to vote on organization business at board meetings | 0 |
| Are any officers, directors, trustees, or key employees listed in Form 990, Part V-A, or highest compensated employees listed in Schedule A, Part I, or highest compensated professional and other independent contractors listed in Schedule A, Part II-A or II-B, related to each other through family or business relationships? | No |
| Do any officers, directors, trustees, or key employees listed in Form 990, Part V-A, or highest compensated employees listed in Schedule A, Part I, or highest compensated professional and other independent contractors listed in Schedule A, Part II-A or II-B, receive compensation from any other organizations, whether tax exempt or taxable, that are related to the organization? | No |
| Does the organization have a written conflict of interest policy? | No |
| Other Information |
| Did the organization have unrelated business gross income of $1,000 or more during the year covered by this return, and has it filed a tax return on Form 990-T for this year? | No |
| Was there a liquidation, dissolution, termination, or substantial contraction during the year? | No |
| Is the organization related (other than by association with a statewide or nationwide organization) through common membership, governing bodies, trustees, officers, etc., to any other exempt or nonexempt organization? | Yes |
| Direct and indirect political expenditures | $0 |
| Did the organization file Form 1120-POL for this year? | No |
| Were substantially all dues nondeductible by members? | |
| Did the organization make only in-house lobbying expenditures of $2,000 or less? | |
| Dues, assessments, and similar amounts from members | $0 |
| Section 162(e) lobbying and political expenditures | $0 |
| Aggregate nondeductible amount of section 6033(e)(1)(A) dues notices | $0 |
| Taxable amount of lobbying and political expenditures | $0 |
| Does the organization elect to pay the section 6033(e) tax on the amount above? | |
| If section 6033(e)(1)(A) dues notices were sent, does the organization agree to add the amount above to its reasonable estimate of dues allocable to nondeductible lobbying and political expenditures for the following tax year? | |
| Initiation fees and capital contributions | $0 |
| Gross receipts for public use of club facilities | $0 |
| At any time during the year, did the organization, directly or indirectly, own a controlled entity within the meaning of section 512(b)(13)? | No |
| Amount of tax imposed on the organization during the year under: section 4911 | $0 |
| Amount of tax imposed on the organization during the year under: section 4912 | $0 |
| Amount of tax imposed on the organization during the year under: section 4955 | $0 |
| Did the organization engage in any section 4958 excess benefit transaction during the year or did it become aware of an excess benefit transaction from a prior year? | |
| Amount of tax imposed on the organization managers or disqualified persons during the year under sections 4912, 4955, and 4958 | $0 |
| Amount of tax above, reimbursed by the organization | $0 |
| At any time during the tax year, was the organization a party to a prohibited tax shelter transaction? | No |
| Did the organization acquire a direct or indirect interest in any applicable insurance contract? | No |
| Did the supporting organization, or a fund maintained by a sponsoring organization, have excess business holdings at any time during the year? | No |
| Number of employees employed in the pay period that includes March 12, 2006 | 5 |
| Analysis of Income-Producing Activities (for 2007) |
| Unrelated business income | Excluded by section 512, 513, or 514 | Related or exempt function income |
|---|
| Business code | Amount | Exclusion code | Amount |
| Total | | $0 | | $1,444,780 | $23,015,938 |
| Program service revenue |
| Program service revenue 1 | 000000 | $0 | 00 | $0 | $22,803,262 |
| Program service revenue 2 | 000000 | $0 | 00 | $0 | $649,485 |
| Program service revenue 3 | 000000 | $0 | 00 | $0 | $0 |
| Program service revenue 4 | 000000 | $0 | 00 | $0 | $0 |
| Program service revenue 5 | 000000 | $0 | 00 | $0 | $0 |
| Medicare/Medicaid payments | 000000 | $0 | 00 | $0 | $0 |
| Fees and contracts from government agencies | 000000 | $0 | 00 | $0 | $0 |
| Membership dues and assessments | 000000 | $0 | 00 | $0 | $0 |
| Interest on savings and temporary cash investments | 000000 | $0 | Dividends, interest, payments with respect to securities loans, annuities, income from notional principal contracts, loan commitment fees, and other substantially similar income from ordinary and routine investments excluded by section 512(b)(1) | $1,095,323 | $0 |
| Dividends and interest from securities | 000000 | $0 | Dividends, interest, payments with respect to securities loans, annuities, income from notional principal contracts, loan commitment fees, and other substantially similar income from ordinary and routine investments excluded by section 512(b)(1) | $349,457 | $0 |
| Net rental income or (loss) from real estate |
| debt-financed property | 000000 | $0 | 00 | $0 | $0 |
| not debt-financed property | 000000 | $0 | 00 | $0 | $0 |
| Net rental income or (loss) from personal property | 000000 | $0 | 00 | $0 | $0 |
| Other investment income | 000000 | $0 | 00 | $0 | $0 |
| Gain or (loss) from sales of assets other than inventory | 000000 | $0 | 00 | $0 | $-436,809 |
| Net income or (loss) from special events | 000000 | $0 | 00 | $0 | $0 |
| Gross profit or (loss) from sales of inventory | 000000 | $0 | 00 | $0 | $0 |
| Other revenue | 000000 | $0 | 00 | $0 | $0 |
| Statements About Activities (for 2007) |
| Expenses paid or incurred in connection with the lobbying activities | $0 |
| Did the organization receive or hold an easement for conservation purposes, including easements to preserve open space, the environment, historic land areas or historic structures? | |
| Did the organization provide credit counseling, debt management, credit repair, or debt negotiation services? | |
| Did the organization maintain any donor advised funds? | |
| Did the organization make any taxable distributions under section 4966? | |
| Did the organization make a distribution to a donor, donor advisor, or related person? | |
| Enter the total number of donor advised funds owned at the end of the tax year | $0 |
| Enter the aggregate value of assets held in all donor advised funds owned at the end of the tax year | $0 |
| Enter the total number of separate funds or accounts owned at the end of the tax year (excluding donor advised funds included above) where donors have the right to provide advice on the distribution or investment of amounts in such funds or accounts | $0 |
| Enter the aggregate value of assets held in all funds or accounts included above at the end of the tax year | $0 |
| Support Schedule |
| 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 |
| Total | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gifts, grants, and contributions received | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Membership fees received | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross receipts from admissions, merchandise sold or services performed, or furnishing of facilities in any activity that is related to the organization's charitable, etc., purpose | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross income from interest, dividends, amounts received from payments on securities loans (section 512(a)(5)), rents, royalties, and unrelated business taxable income (less section 511 taxes) from businesses acquired by the organization after June 30, 1975 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net income from unrelated business activities not included above | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Tax revenues levied for the organization's benefit and either paid to it or expended on its behalf | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| The value of services or facilities furnished to the organization by a governmental unit without charge. Do not include the value of services or facilities generally furnished to the public without charge | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other income | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Organizations performing similar types of work |
| Id | Name | Address | State | Established | Total Income |
| 1 | Neighborhood Health Plan | 253 Summer St, Boston, MA 02210-1120 | MA | 1990-10 | $1,273,278,454 |
| 2 | Harvard Pilgrim Health Care Of New England Inc | 93 Worcester St, Wellesley, MA 02481-3609 | MA | 1979-09 | $330,840,049 |
| 3 | Group Health Program Of The Natnl Telecommunications Coop Assoc, Account Number 191-419-1240 | 30 Town Square Blvd Ste 300, Asheville, NC 28803-5087 | NC | 1975-10 | $263,389,108 |
| 4 | Ufcw Local Unions & Employers Benefit Plan Of Sw Ohio Area | 7250 Poe Ave Ste 300, Dayton, OH 45414-2698 | OH | 1957-11 | $132,094,664 |
| 5 | Carpenters Industrial Council Trust Fund | 602 Virginia St E, Charleston, WV 25301-2154 | WV | 1974-06 | $83,892,269 |
| 6 | Massachusetts Public Employees Health & Welfare Fund | 45 Bromfield St Ste 401, Boston, MA 02108-4117 | MA | 1985-11 | $29,128,482 |
| 7 | Pipefitters Union-537 Welfare Fund | 35 Travis St Unit 1, Allston, MA 02134-1251 | MA | 1955-02 | $26,179,641 |
| 8 | Main Automobile Dealers Assoc Inc Insurance Trust 180 Civic Center D | PO BOX 2667, Augusta, ME 04338-2667 | ME | 1968-01 | $23,212,242 |
| 9 | Suffolk County Municipal Employees Benefit Fund | 30 Orville Dr Ste D, Bohemia, NY 11716-2513 | NY | 1976-07 | $19,989,504 |
| 10 | Local 201 Plumbers & Steamfitters Welfare Plan | Boice Rd, Hyde Park, NY 12538 | NY | 1974-12 | $16,204,171 |
| 11 | Stationary Engineers Fireman Mntnce & Bldg Srvc Union Loc 670 Wlfr Fnd | 299 Broadway, New York, NY 10007-1901 | NY | 1978-04 | $12,003,681 |
| 12 | Local 373 Ua Health & Welfare Fund | 76 Pleasant Hill Road, Mountainville, NY 10953 | NY | 1994-01 | $9,617,224 |
| 13 | Construction Teamsters Health & Welfare Fund | 16 Sever St, Charlestown, MA 02129-1305 | MA | 1961-02 | $8,411,266 |
| 14 | Journeymen Of Plumb & Pipefitting Industry Welfare Fund Local 274 | 36 Hopatchung Rd, Hopatcong, NJ 07843-1524 | NJ | 1958-01 | $8,040,193 |
| 15 | Bakery Drivers-194 Welfare Fund | 2003 Route 130, North Brunswick, NJ 08902-4857 | NJ | 1955-09 | $6,115,283 |
| 16 | District Council 37 Cultural Inst Health & Security Plan Tr | 125 Barclay St, New York, NY 10007-2233 | NY | 1981-06 | $5,342,747 |
| 17 | Prudential Retiree Medical Benefits Tr | 100 Plaza One Ms3048, Jersey City, NJ 07311-3901 | NJ | 1992-01 | $4,929,617 |
| 18 | Harrison Teachers Benefits | 255 Union Ave, Harrison, NY 10528-1602 | NY | 1983-09 | $1,572,106 |
| 19 | Health & Welfare Fund Of Local No 340 - I A T S E | PO BOX 636, Jericho, NY 11753-0636 | NY | 1987-05 | $404,511 |
| 20 | Harness Horsemens Health And Retirement Inc | 800 Michigan Ave, Columbus, OH 43215-1107 | OH | 1988-08 | $148,103 |
| 21 | Chemcentral Corporation Benefit Trust | PO BOX 34325, Seattle, WA 98124-1325 | WA | 1989-05 | $67,142 |
| 22 | Connecticut Mutual Ins Co Voluntary Employee Beneficiary Tr | 1295 State St Mip F205, Springfield, MA 01111-0001 | MA | 1990-03 | $1,673 |
| 23 | Group Health Co-Operative Of Eau Claire | 2503 N Hillcrest Parkway, Altoona, WI 54720-2569 | WI | 1994-09 | $316,164,525 |
| 24 | Medical-Dental Benefit Plan Trust For Employees Of Aetna Serv Inc, Casualty Company Trust | 151 Farmington Ave, Hartford, CT 06156-0001 | CT | 1992-08 | $29,156,845 |
| 25 | Chicago Plastering Health & Welfare Trust | 5611 W 120th St, Alsip, IL 60803-3449 | IL | 1963-05 | $14,465,947 |
| 26 | Amalgamated Life And Health Insurance Company | 333 Westchester Avenue, White Plains, NY 10604-2910 | NY | 1943-08 | $8,875,650 |
| 27 | Campagna Turano Bakeries Inc & Turano Pastry Shops Inc S-F Ben Tr | 6501 Roosevelt Rd, Berwyn, IL 60402-1100 | IL | 1983-04 | $8,124,753 |
| 28 | Ernie Green Industries Inc Health & Welfare Trust | 3500 Pentagon Boulevard, Beavercreek, OH 45431-2375 | OH | 1988-10 | $5,507,554 |
| 29 | Burr Oak Tool & Gauge Co Inc Employees Health Benefit Plan Trus | PO BOX 338, Sturgis, MI 49091-0338 | MI | 1988-09 | $5,069,127 |
| 30 | Kraus Anderson Incorporated Health Care Plan Trust Agreement | 525 S 8th St, Minneapolis, MN 55404-1030 | MN | 1981-05 | $4,249,788 |
Organization representatives - add corrected or new information about Pipefitters Union-537 Welfare Fund »
Non-representatives - add comments about Pipefitters Union-537 Welfare Fund»