Board of Trustees of the Worcester Plumbers &
Updated Filing received by DOL
Board of Trustees of the Worcester Plumbers &, an other services employer in Wallingford, Connecticut, reported 399 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $3.9M in insurance premiums across 4 contracts and $97,341 in broker commissions and fees, 2.2% 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 an amended filing on October 14, 2025; the original filing date is not in the public dataset.
Who was paid on Board of Trustees of the Worcester Plumbers &'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 the Worcester Plumbers & filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency | $67,508 | $18,905 | $86,413 | 1 |
| Indigo Insurance Services · Boston, MA | $10,928 | $0 | $10,928 | 2 |
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 Massachusetts, Inc.health, prescription drug | 522 | $3.9M | $86,413 | 2.2% |
| Tufts Associated Health Maintenance Org. Inc.health | 23 | — | — | — |
| Usable Lifelife | 410 | — | $9,908 | — |
| Usable Lifeshort-term disability | 284 | — | $1,020 | — |
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 the Worcester Plumbers & 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: $7,385 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 | 380 | 399 | +5.0% |
| Premiums filed | $3,468,598 | $3,855,048 | +11.1% |
| Broker commissions + fees | $99,890 | $97,341 | −2.6% |
| Commission rate | 2.7% | 2.2% | −0.4 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 |
|---|---|---|---|---|
| Worcester Plumbers & Pipefitters Health & Welfare Fund#501 · amended · insurance, trust | December 31, 2024 | October 14, 2025 | amended filing; original date not in data | 399 |
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 the Worcester Plumbers & pay in health insurance broker commissions in 2024?
Board of Trustees of the Worcester Plumbers &'s 2024 Form 5500 reports $97,341 in broker commissions and fees across 4 insurance contracts ($78,436 in commissions, $18,905 in fees), with Marsh McLennan Agency receiving the largest share.
Is Board of Trustees of the Worcester Plumbers &'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., Tufts Associated Health Maintenance Org. Inc..
How does Board of Trustees of the Worcester Plumbers &'s broker compensation compare with similar employers?
Board of Trustees of the Worcester Plumbers & paid 2.2% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Connecticut is 6.0%. 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.