Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare
Updated Filing received by DOL
Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare, a construction employer in Troy, Michigan, reported 1,114 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.0M in insurance premiums across 3 contracts and $90,216 in broker commissions and fees, 4.3% 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 the filing on September 30, 2025, within the extension window.
Who was paid on Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Scott Settle · Troy, MI | $42,533 | $0 | $42,533 | 1 |
| USI Insurance Services · Virginia Beach, VA | $24,951 | $0 | $24,951 | 1 |
| Macqueen and Associates LLC · Royal Oak, MI | $22,657 | $75 | $22,732 | 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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Michiganhealth, prescription drug | 391 | $1.0M | $42,533 | 4.2% |
| Metropolitan Life Insurance Companylife | 1,301 | — | $22,732 | — |
| HM Life Insurance Companystop-loss | 768 | — | $24,951 | — |
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 Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare 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: $2,561 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 | 1,019 | 1,114 | +9.3% |
| Premiums filed | $0 | $1,001,352 | — |
| Broker commissions + fees | $12,688 | $90,216 | +611.0% |
| Commission rate | — | 4.3% | — |
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 |
|---|---|---|---|---|
| U.A. Local Union 85 Health & Welfare Fund#501 · insurance, general assets, trust | December 31, 2024 | September 30, 2025 | within extension | 1,114 |
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 Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare pay in health insurance broker commissions in 2024?
Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare's 2024 Form 5500 reports $90,216 in broker commissions and fees across 3 insurance contracts ($90,141 in commissions, $75 in fees), with Scott Settle receiving the largest share.
Is Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare'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 Michigan.
How does Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare's broker compensation compare with similar employers?
Joint Board of Trustees Plumbers & Pipefitters 85 Health & Welfare paid 4.3% of medical premium in commissions and fees. The median for employers with 1,000-4,999 participants is 2.0%, and the median in Michigan is 3.2%. 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.