Plan Name

Sheet Metal Workers' Local 73 Pension Plan    

Plan Employer Identification Number


Plan Number


Fiscal Year

July 1 through June 30

Plan Type

The Pension Plan is a defined benefit plan maintained fo the purpose of providing Retirement beneifts to eligible participants.

Plan Sponsor and Adminsitrator

The Board of Trustees is both the Plan Sponsor and Plan Administrator. The Board of Trustees is responsible for the operation of this Plan. The Board of Trustees consists of Employer and Union representatives selected by the Employers and the Local Union who have entered into Collective Bargaining Agreements related to this Plan. If you wish to contact the Board of Trustees, use the address and telephone number below.

Board of Trustees

Sheet Metal Workers’ Local 73 Pension Fund
4530 Roosevelt Road
Hillside IL 60162
Telephone: (708) 449-7373
Fax: (708) 449-7333

The Trustees of this Plan are:  

Union Trustees Employer Trustees
Mr. Ray Suggs
Sheet Metal Workers' Local 73
4550 Roosevelt Road
Hillside, IL 60162
Mr. James S. Billard
Hill Mechanical Group
11045 Gage Avenue
Franklin Park, IL 60131
Mr. Dan Ahern
Sheet Metal Workers' Local 73
4550 Roosevelt Road
Hillside, IL 60162
Mr. Tony Adolfs
SMACNA Chicago
1415 W. 22nd St., Suite 1200
Oak Brook, IL 60523
Mr. Michael A. Vittorio
Sheet Metal Workers' Local 73
4550 Roosevelt Road
Hillside, IL 60162
Mr. William J. Beukema, Jr.
Amber Mechanical Contractors, Inc.
11950 S. Central Ave.
Alsip, IL 60803


Agent for Service of Legal Process

The Plan’s agent for service of legal process is:

Gregorio & Marco, Ltd.
2 N. LaSalle St., Suite 1650
Chicago, IL 60602

Accordingly, if legal disputes involving the Plan arise, any legal documents should be served upon the agent listed above or any of the Trustees at the Fund Office.

Collective Bargaining Agreements

This Plan is maintained pursuant to Collective Bargaining Agreements between Sheet Metal Workers’ Local No. 73 and Contributing Employers. You may obtain a copy of the Collective Bargaining Agreement by writing to or examining it at the Fund Office.

Source of Contributions

Benefits described in this booklet are provided through Employer contributions. The provisions of the Collective Bargaining Agreements and participation agreements determine the amount of the Employer contributions and the Employees on whose behalf contributions are made.    

Pension Fund's Assets and Reserves

All assets are held in trust by the Board of Trustees for the purpose of providing benefits to eligible participants and defraying reasonable administrative expenses. Plan assets may be invested in accordance with the requirement of applicable law. These investments are made only after consultation with professional investment managers retained by the Trust.    

Eligibility and Benefits

The types of benefits provided and the Plan’s requirements with respect to eligibility as well as circumstances that may result in disqualification, ineligibility, or denial or loss of any benefits are described in this booklet.    

Rights and Responsibilities

As someone who may be eligible for benefits from this Plan, you should be aware that benefits are paid in accordance with Plan provisions out of a trust fund maintained solely for this purpose. If you have any questions or problems as to benefit determinations, you have a right to appeal to the Trustees who administer the Plan as described in the appeals procedures .

Your rights have been incorporated in the Employee Retirement Income Security Act, which Congress adopted in 1974, for application to all benefit plans. Those rights are set forth in ERISA.

Sole Determination by Trustees

Only the Board of Trustee has broad discretion and authority to determine eligibility for benefits and the right to participate in the Pension Fund, and to exercise all the other powers specified in the Plan. The Trustees may, in their sole discretion, modify, amend, or terminate this Plan in any manner or at any time. The Board of Trustees determines eligibility for and the type and amount of benefits. The decision of the Board of Trustees is final and binding and will receive judicial deference to the extent that it does not constitute an abuse of discretion. No officer, agent, or Employee of the Union, or Employer or any other person is authorized to speak for, or on behalf of, or to commit the Board of Trustees, on any matter relating to the Pension Fund or Plan. If a decision of the Trustees is challenged in court, the decision will be upheld unless the court finds it to be arbitrary and capricious.    

Plan Termination or Modification

The Board of Trustees intends to continue the Plan indefinitely, although they reserve the right to change or amend it at any time. A Plan would end automatically if every Employer withdraws from the Plan or as defined by law. Any remaining benefits will be paid as described in the legal Plan Document. If the Plan is amended or terminated, you will be notified in writing.

Upon termination of the Pension Plan, you will be completely vested in your accrued benefit to the extent funded as of the date of termination. The assets of the Plan will be allocated after payment of Plan expenses in accordance with ERISA.

The Plan may be amended at any time if the Trustees agree to do so in writing.

Non-Assignment of Benefits

The Pension Plan contains a provision forbidding any assignment, pledging or otherwise disposing of your pension payments except in relation to a qualified domestic relations order (QDRO). For more information regarding QDROs, or to receive a copy of the Fund’s QDRO procedures free of charge, please contact the Fund Office.

Top-Heavy Provisions

Federal law requires that if the Plan becomes a top-heavy plan, as described in the Internal Revenue Code, minimum contributions may apply. In the unlikely event that the Plan becomes top-heavy, you will be notified accordingly.

Maximum Contributions

Federal law limits the total amount participants can receive from all retirement plans in which they participate. It is unlikely that these limits will affect the amount of pension you receive from this Plan. However, if you have any questions, please contact the Fund Office.