Benefits Plus Trust Fund Welfare Benefit Plan
Updated Filing received by DOL
Benefits Plus Trust Fund Welfare Benefit Plan, a finance & insurance employer in San Diego, California, reported 3,091 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $87M in insurance premiums across 25 contracts and no broker compensation, 0.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on December 16, 2025, within the extension window.
Insurance contracts and carriers
The 24 largest of 25 contracts reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Alabamahealth, prescription drug, PPO | 8,325 | $66M | — | — |
| Blue Cross and Blue Shield of Alabamahealth, prescription drug, PPO | 1,297 | $10M | — | — |
| Blue Cross and Blue Shield of Alabamahealth, prescription drug, PPO | 1,025 | $5.7M | — | — |
| Blue Cross and Blue Shield of Alabamahealth, prescription drug, PPO | 183 | $1.3M | — | — |
| Blue Cross and Blue Shield of Alabamahealth, prescription drug, PPO | 110 | $878,134 | — | — |
| Blue Cross and Blue Shield of Alabamahealth, prescription drug, PPO | 118 | $765,167 | — | — |
| Vision Service Planvision | 3,192 | $624,402 | — | — |
| Blue Cross and Blue Shield of Alabamahealth, prescription drug, PPO | 78 | $567,497 | — | — |
| Vision Service Planvision | 582 | $238,865 | — | — |
| Blue Cross and Blue Shield of Alabamahealth, prescription drug, PPO | 34 | $230,536 | — | — |
| Vision Service Planvision | 726 | $159,245 | — | — |
| Vision Service Planvision | 396 | $64,211 | — | — |
| Hartford Accident and Life Insurance Companyhealth, prescription drug | 125 | — | — | — |
| Metropolitan Life Insurance Companylife, short-term disability, long-term disability | 11,504 | — | — | — |
| New Directions Behavioral Healthhealth | 3,394 | — | — | — |
| Acn Group of California, Inc.health | 224 | — | — | — |
| Delta Dental Insurance Companydental | 1,891 | — | — | — |
| Hartford Accident and Life Insurance Companyhealth, prescription drug | 119 | — | — | — |
| Metropolitan Life Insurance Companylife, short-term disability, long-term disability | 1,935 | — | — | — |
| Metropolitan Life Insurance Companylife, short-term disability, long-term disability | 2,161 | — | — | — |
| Hartford Accident and Life Insurance Companyhealth | 64 | — | — | — |
| Delta Dental Insurance Companydental | 1,719 | — | — | — |
| Delta Dental Insurance Companydental | 1,062 | — | — | — |
| Metropolitan Life Insurance Companylife, short-term disability, long-term disability | 1,127 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Benefits Plus Trust Fund Welfare Benefit Plan compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $7,701 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 3,094 | 3,091 | −0.1% |
| Premiums filed | $83,047,726 | $87,102,044 | +4.9% |
| Broker commissions + fees | $0 | $0 | — |
| Commission rate | 0.0% | 0.0% | +0.0 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Benefits Plus Trust Fund Welfare Benefit Plan#502 · insurance, trust | March 31, 2025 | December 16, 2025 | within extension | 3,091 |
| Benefits Plus Trust Fund Welfare Benefit Plan#501 · insurance, trust | March 31, 2025 | December 16, 2025 | within extension | 907 |
| Benefits Plus Trust Fund Welfare Benefit Plan#505 · insurance, trust | March 31, 2025 | December 16, 2025 | within extension | 539 |
| Benefits Plus Trust Fund Welfare Benefit Plan#503 · insurance, trust | March 31, 2025 | December 16, 2025 | within extension | 105 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Benefits Plus Trust Fund Welfare Benefit Plan pay in health insurance broker commissions in 2024?
Benefits Plus Trust Fund Welfare Benefit Plan's 2024 Form 5500 reports no broker commissions or fees on Schedule A. Self-funded plans often pay consultants directly, which the public filing does not always capture.
Is Benefits Plus Trust Fund Welfare Benefit Plan's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross and Blue Shield of Alabama, Hartford Accident and Life Insurance Company, New Directions Behavioral Health.
How does Benefits Plus Trust Fund Welfare Benefit Plan's broker compensation compare with similar employers?
Benefits Plus Trust Fund Welfare Benefit Plan paid 0.0% of medical premium in commissions and fees. The median for employers with 1,000-4,999 participants is 2.0%, and the median in California is 4.0%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.