Multiemployer Board


To improve the trade industry by supporting benefit funds and apprenticeship programs nationally by acting as a trusted advisor and legal partner.




Our firm is extremely passionate about what we do and the industry we serve.  Everyone at our firm has a background in the trade industry and cares deeply about moving the industry forward, one benefit fund at a time. Our firm culture values passion and enthusiasm, and we serve you from that perspective.

team-based approach

We adopt a team-based approach to working with all trustees and advisors on benefit funds, as well as within our own firm.  We believe your fund and our firm succeeds the best when everyone is working together.

Excellence in service

We provide outstanding client service from the first interaction we have with you.  We work with you to understand and address your industry needs as a valued advisor and provide the highest quality legal services, all while making our interactions highly personable and enjoyable.

build open and honest relationships

Our firm values telling the truth and is responsible for the choices we make, including our results.  We believe in resolving any issues upfront and in a respectful way.

embrace and drive change

We strive to continuously improve our clients' benefit funds and apprenticeship programs, our firm, and ourselves and are at the forefront of bringing new ideas and initiatives to our clients to help them adapt to the ever changing industry needs.

Trust what we say we will do

Our firm is a trusted advisor and legal partner to your benefit fund and we take great pride in doing what we say we will do.  You can trust us to come prepared for every meeting and to complete action items in a timely manner.





Jennifer E. Germaine

contact Jennifer:

Phone: 319-449-6969

Fax:  319-450-0667


Juris Doctor

B.A., Accounting

Bar Admissions




Hello, World!

8.0Jennifer E. Germaine

Jennifer E. Germaine

Jennifer focuses on Multi-Employer, Taft-Hartley benefit plans.  Her practice includes representing boards of trustees of collectively bargained multi-employer health and welfare plans, retirement plans (defined contribution and pension plans) and apprenticeship programs with plan design, compliance, participant communications, and litigation.  She builds strong relationships with her clients and takes the time to educate her clients about changing laws and insights in benefit trends.  

Jennifer began her career with a top firm in Omaha, Nebraska,  Koley Jessen, P.C., L.L.O., specializing in mergers and acquisitions, business and benefits. 


Speeches and Publications

  • April 2019 edition of International Foundation of Employee Benefit Plan’s Benefits Magazine featured Jennifer’s article Against Common Sense: The Expenses Putting Your Apprenticeship Program at Risk.

  • January 2019, Jennifer presented on several panels at the Institute for Apprenticeship, Training and Educational programs for the International Foundation of Employee Benefit Plans, including Supporting a More Diverse Workforce and the U.S. Open Forum.

  • January 2018, Jennifer presented on several panels at the Institute for Apprenticeship, Training and Educational Programs for the International Foundation of Employee Benefit Plans.

  • April 2017 edition of International Foundation of Employee Benefit Plan's Benefits Magazine featured Jennifer's article New Diversity Requirements for Apprenticeship Programs.

Awards and Recognitions

  • 2015 Corridor Business Journal's 40 Under Forty.

  • 2015 - 2018 Super Lawyers Rising Star.

  • ImpactCR Leadership Award in 2014 for leading others to participate and connect to the community through the young professional group, ImpactCR.

  • ImpactCR Make Your Mark Award in 2013 for contributing to creating a vibrant, dynamic community for the now and next generation of young professionals.

  • Leadership of Five Seasons, Class of 2013.

Professional Memberships:

  • Iowa, Nebraska and Wisconsin Bar Associations

  • Linn County Bar Association

  • International Foundation of Employee Benefit Plans

  • American Society of Pension Professionals & Actuaries - Associated Professional Member

  • Cedar Rapids Metro Economic Alliance Member

  • Daybreak Rotary Member



Photo - David.jpg

contact David:

Phone: 319-449-6969

Fax:  319-450-0667


Juris Doctor

B.A., Creative Writing and Business

Bar Admissions



David J. Fournier

Dave is an associate attorney at Germaine Law Firm whose practice focuses mainly on single- and multi-employer retirement plans, health and welfare plans, and apprenticeship programs. He assists plan sponsors with the design, implementation and administration of various employee benefit plans, and helps bring plans back into compliance when things go wrong.

Dave is a lifelong resident of Toledo, Ohio. He left long enough to earn a Bachelor of Arts, cum laude, from Baldwin-Wallace University in Berea, Ohio before returning to attend the University of Toledo College of Law. Dave worked for his family’s businesses full time while attending the University’s evening program. There, he served as an Executive Editor on Board 44 of the University of Toledo Law Review before graduating with honors.

After passing the bar exam, David began his career with northwest Ohio’s largest law firm in their employee benefits/executive compensation practice group.

Out of the office, Dave enjoys hiking in the Toledo-area metroparks with his family and their small pack of dogs. And he regularly volunteers with the Reentry Coalition of Northwest Ohio, where he helps recently unincarcerated individuals navigate the court system and Bureau of Motor Vehicles to obtain valid driver’s licenses.

Speeches and Publications

Firearm Notification Laws Put Concealed Carriers in Law Enforcement's Sights (44 U. Tol. L. Rev. 179), University of Toledo Law Review

What Fiduciaries Need to Ask Service Providers About Cybersecurity, August 2015   International Foundation of Employee Benefit Plans, Benefits Magazine

October 2018 Co-presented on the topic "Recovery of Benefit Overpayments" at the International Foundation of Employee Benefit Plans' 64th Annual Employee Benefits Conference


Leadership Toledo, Class of 2017



Kate Prenatt

Email Kate:

Phone: 319-449-6969

Fax:  319-450-0667


Kate Prenatt

Kate Prenatt is a paralegal and bookkeeper for the Germaine Law Firm.  She understands the complexities of Multi-Employer Taft Hartley Benefit Plans because she was a previous office manager to a labor union for nearly 17 years.  Kate builds relationships with clients that come into the office and helps them navigate through the legal process with ease.

Outside of the office, you may find Kate volunteering and fostering for Last Hope Animal Rescue.  She's very involved with educating the public about animal welfare and dog training.  Kate also has a strong passion for creating a sense of community while supporting local shops and food sources.