Board of Trustees of Mid-America Carpenters Regional Council Health Fu
Updated Filing received by DOL
Board of Trustees of Mid-America Carpenters Regional Council Health Fu, a construction employer in Chicago, Illinois, reported 20,554 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $196M in insurance premiums across 6 contracts and $391,055 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 March 25, 2026, within the extension window.
Who was paid on Board of Trustees of Mid-America Carpenters Regional Council Health Fu's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Board of Trustees of Mid-America Carpenters Regional Council Health Fu filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Vision Service Plan · Rancho Cordova, CA | $0 | $283,469 | $283,469 | 2 |
| The Union Labor Life Insurance Comp · Silver Spring, MD | $0 | $97,143 | $97,143 | 1 |
| Ullico Investment Company, LLC · Silver Spring, MD | $10,443 | $0 | $10,443 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
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 Illinoishealth, PPO | 34,891 | $196M | — | — |
| The Union Labor Life Insurance Companycoverage not coded | 39,519 | — | $107,586 | — |
| Vision Service Planvision | 11,392 | — | $220,616 | — |
| Vision Service Planvision | 5,156 | — | $62,853 | — |
| The Union Labor Life Insurance Companylife | 29,112 | — | — | — |
| Blue Cross Blue Shield of Illinoishealth | 22,781 | — | — | — |
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 of Mid-America Carpenters Regional Council Health Fu 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: $5,606 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 | 20,001 | 20,554 | +2.8% |
| Premiums filed | $214,180,285 | $195,607,488 | −8.7% |
| Broker commissions + fees | $432,108 | $391,055 | −9.5% |
| 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 |
|---|---|---|---|---|
| Mid-America Carpenters Regional Council Health Fun#501 · insurance, trust | June 30, 2025 | March 25, 2026 | within extension | 20,554 |
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 of Mid-America Carpenters Regional Council Health Fu pay in health insurance broker commissions in 2024?
Board of Trustees of Mid-America Carpenters Regional Council Health Fu's 2024 Form 5500 reports $391,055 in broker commissions and fees across 6 insurance contracts ($10,443 in commissions, $380,612 in fees), with Vision Service Plan receiving the largest share.
Is Board of Trustees of Mid-America Carpenters Regional Council Health Fu'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 Illinois.
How does Board of Trustees of Mid-America Carpenters Regional Council Health Fu's broker compensation compare with similar employers?
Board of Trustees of Mid-America Carpenters Regional Council Health Fu paid 0.0% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in Illinois is 1.5%. 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.