Board of Trustees-Heat & Frost Insulator and Allied Workers Local 6 H
Updated Filing received by DOL
Board of Trustees-Heat & Frost Insulator and Allied Workers Local 6 H, an administrative & support services employer in Quincy, Massachusetts, reported 674 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $12M in insurance premiums across 2 contracts and $6,528 in broker commissions and fees, 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 October 12, 2025, within the extension window.
Insurance contracts and carriers
Every insurance contract 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 Blue Shield of Massachusetts, Inchealth | 1,415 | $12M | — | — |
| The Union Labor Life Insurance Colife | 524 | — | $6,528 | — |
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 Board of Trustees-Heat & Frost Insulator and Allied Workers Local 6 H 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: $8,660 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 | 670 | 674 | +0.6% |
| Premiums filed | $11,664,901 | $12,253,240 | +5.0% |
| Broker commissions + fees | $6,579 | $6,528 | −0.8% |
| 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 |
|---|---|---|---|---|
| Heat & Frost Insulators and Allied Workers Local 6 H & W Fund#501 · insurance, trust | December 31, 2024 | October 12, 2025 | within extension | 674 |
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 Board of Trustees-Heat & Frost Insulator and Allied Workers Local 6 H pay in health insurance broker commissions in 2024?
Board of Trustees-Heat & Frost Insulator and Allied Workers Local 6 H's 2024 Form 5500 reports $6,528 in broker commissions and fees across 2 insurance contracts ($6,528 in commissions, $0 in fees).
Is Board of Trustees-Heat & Frost Insulator and Allied Workers Local 6 H'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 Blue Shield of Massachusetts, Inc.
How does Board of Trustees-Heat & Frost Insulator and Allied Workers Local 6 H's broker compensation compare with similar employers?
Board of Trustees-Heat & Frost Insulator and Allied Workers Local 6 H paid 0.0% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Massachusetts is 2.5%. 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.