IBT Local 145 Health Services Insurance Plan
Updated Filing received by DOL
IBT Local 145 Health Services Insurance Plan, a transportation — truck & rail employer in Stratford, Connecticut, reported 247 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 2 insurance contracts with no premium reported and $148 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Aetna). The Department of Labor received the filing on April 10, 2026, within the extension window.
Who was paid on IBT Local 145 Health Services Insurance Plan's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract IBT Local 145 Health Services Insurance Plan filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · Boston, MA | $148 | $0 | $148 | 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 |
|---|---|---|---|---|
| Hartford Life and Accidentlife, short-term disability | 62 | — | $148 | — |
| Aetnastop-loss | 558 | — | — | — |
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 IBT Local 145 Health Services Insurance Plan 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 | 235 | 247 | +5.1% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $157 | $148 | −5.7% |
| 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 |
|---|---|---|---|---|
| IBT Local 145 Health Services and Insurance Fund#501 · insurance, trust | June 30, 2025 | April 10, 2026 | within extension | 247 |
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 IBT Local 145 Health Services Insurance Plan pay in health insurance broker commissions in 2024?
IBT Local 145 Health Services Insurance Plan's 2024 Form 5500 reports $148 in broker commissions and fees across 2 insurance contracts ($148 in commissions, $0 in fees), with Willis Towers Watson receiving the largest share.
Is IBT Local 145 Health Services Insurance Plan's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Aetna).
How does IBT Local 145 Health Services Insurance Plan's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for IBT Local 145 Health Services Insurance Plan 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.