Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf
Updated Filing received by DOL
Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf, a construction employer in Buffalo, New York, reported 440 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $991,477 in insurance premiums across 5 contracts and $34,187 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on February 16, 2026, within the extension window.
Who was paid on Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Rochester, NY | $33,191 | $996 | $34,187 | 6 |
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 |
|---|---|---|---|---|
| Excellus Blue Cross Blue Shieldhealth, prescription drug | 97 | $991,477 | $27,723 | 2.8% |
| Univera Healthcarehealth, prescription drug | 1 | — | $238 | — |
| Metropolitan Life Insurance Companylife | 254 | — | $1,967 | — |
| The Guardian Life Insurance Company of Americavision | 254 | — | $4,259 | — |
| Highmark Western and Northeastern New York Inc.prescription drug | 6 | — | — | — |
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 Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf 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.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $10,221 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 | 447 | 440 | −1.6% |
| Premiums filed | $945,070 | $991,477 | not comparable |
| Broker commissions + fees | $33,838 | $34,187 | +1.0% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Bricklayers and Allied Craftworkers Local No. 3 NY Niagara Falls-Buffalo Chapter Health & Welfare Pla#501 · insurance, trust | May 31, 2025 | February 16, 2026 | within extension | 440 |
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 Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf pay in health insurance broker commissions in 2024?
Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf's 2024 Form 5500 reports $34,187 in broker commissions and fees across 5 insurance contracts ($33,191 in commissions, $996 in fees), with Brown & Brown receiving the largest share.
Is Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf'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 Excellus Blue Cross Blue Shield, Univera Healthcare.
How does Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Bricklayers & Allied Craftworkers Local Buffalo Chapter Health & Welf because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.