Consolidated Builders Benefits Trust
Updated Filing received by DOL
Consolidated Builders Benefits Trust, a finance & insurance employer in Indiana, Pennsylvania, reported 269 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 6 insurance contracts with no premium reported and $38,126 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 5, 2026, within the extension window.
Who was paid on Consolidated Builders Benefits Trust's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Consolidated Builders Benefits Trust filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Emerson Reid, LLC · Warrendale, PA | $37,080 | $0 | $37,080 | 1 |
| Emerson Rodgers, LLC · Elmwood Park, NJ | $714 | $48 | $762 | 3 |
| MY Benefit Advisor, LLC · Elmwood Park, NJ | $284 | $0 | $284 | 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 |
|---|---|---|---|---|
| United Concordia Insurance Companydental | 149 | — | $676 | — |
| United Concordia Dental Plans of Pennsylvania, Inc.dental | 13 | — | $38 | — |
| Reliance Standard Life Insurance Companylife | 89 | — | $332 | — |
| Highmark Inc.health | 105 | — | $37,080 | — |
| Highmark Inc.prescription drug | 78 | — | — | — |
| Metropolitan Life Insurance Companyvision | 158 | — | — | — |
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 Consolidated Builders Benefits Trust 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.
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 | 287 | 269 | −6.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $41,547 | $38,126 | −8.2% |
| 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 |
|---|---|---|---|---|
| Consolidated Builders Benefits Trust Health and Welfare Plan#501 · insurance, trust | June 30, 2025 | March 5, 2026 | within extension | 269 |
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 Consolidated Builders Benefits Trust pay in health insurance broker commissions in 2024?
Consolidated Builders Benefits Trust's 2024 Form 5500 reports $38,126 in broker commissions and fees across 6 insurance contracts ($38,078 in commissions, $48 in fees), with Emerson Reid, LLC receiving the largest share.
Is Consolidated Builders Benefits Trust'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 Highmark Inc..
How does Consolidated Builders Benefits Trust's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Consolidated Builders Benefits Trust 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.