Intl Assoc of Heat & Frost Insulators & Allied Workers Local
Updated Filing received by DOL
Intl Assoc of Heat & Frost Insulators & Allied Workers Local, a construction employer in Goodlettsville, Tennessee, reported 224 participants in its health and welfare plan for plan year 2024. Its Form 5500 lists 3 insurance contracts on Schedule A but reports no premium and no broker compensation on them. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from HCC Life Insurance Company). The Department of Labor received the filing on October 12, 2025, within the extension window.
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 Alabamadental | 222 | — | — | — |
| HCC Life Insurance Companystop-loss | 222 | — | — | — |
| The Union Labor Life Insurance Companylife, short-term disability | 222 | — | — | — |
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 Intl Assoc of Heat & Frost Insulators & Allied Workers Local 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 | 237 | 224 | −5.5% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $0 | $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 |
|---|---|---|---|---|
| Intl Assoc of Heat & Frost Insulators & Allied Workers Local 78 Health & Welfare Plan#501 · insurance, trust | December 31, 2024 | October 12, 2025 | within extension | 224 |
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 Intl Assoc of Heat & Frost Insulators & Allied Workers Local pay in health insurance broker commissions in 2024?
Intl Assoc of Heat & Frost Insulators & Allied Workers Local's 2024 Form 5500 reports no broker commissions or fees on Schedule A. Self-funded plans often pay consultants directly, which the public filing does not always capture.
Is Intl Assoc of Heat & Frost Insulators & Allied Workers Local'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 HCC Life Insurance Company).
How does Intl Assoc of Heat & Frost Insulators & Allied Workers Local's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Intl Assoc of Heat & Frost Insulators & Allied Workers Local 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.