Joint Board of Trustees Roofers Union Local 30
Updated Filing received by DOL
Joint Board of Trustees Roofers Union Local 30, a construction employer in Troy, Michigan, reported 644 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $11M in insurance premiums across 6 contracts and $2,170 in broker commissions and fees, 0.0% 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 October 15, 2025, within the extension window.
Who was paid on Joint Board of Trustees Roofers Union Local 30'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 Roofers Union Local 30 filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Wade Financial Inc. · Chalfont, PA | $2,170 | $0 | $2,170 | 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 |
|---|---|---|---|---|
| Independence Blue Cross - Personal Choicehealth, PPO | 1,335 | $9.8M | — | — |
| Independence Blue Crosshealth | 158 | $761,217 | — | — |
| Vision Benefits of Americavision | 841 | $83,853 | — | — |
| Vision Benefits of Americavision | 54 | $3,333 | — | — |
| Independence Blue Cross - Prescription Drugprescription drug | 1,827 | — | — | — |
| The Union Labor Life Insurance Companylife | 1,581 | — | $2,170 | — |
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 Roofers Union Local 30 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: $7,060 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 | 645 | 644 | −0.2% |
| Premiums filed | $11,782,337 | $10,627,590 | −9.8% |
| Broker commissions + fees | $2,702 | $2,170 | −19.7% |
| Commission rate | 0.0% | 0.0% | +0.0 pts |
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 |
|---|---|---|---|---|
| Roofers Union Local 30 Combined Health and Welfare Fund#501 · insurance, trust | December 31, 2024 | October 15, 2025 | within extension | 644 |
| Roofers Union Local 30 Combined Retiree Health Plan#502 · insurance, trust | December 31, 2024 | October 15, 2025 | within extension | 268 |
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 Roofers Union Local 30 pay in health insurance broker commissions in 2024?
Joint Board of Trustees Roofers Union Local 30's 2024 Form 5500 reports $2,170 in broker commissions and fees across 6 insurance contracts ($2,170 in commissions, $0 in fees), with Wade Financial Inc. receiving the largest share.
Is Joint Board of Trustees Roofers Union Local 30'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 Independence Blue Cross - Personal Choice, Independence Blue Cross.
How does Joint Board of Trustees Roofers Union Local 30's broker compensation compare with similar employers?
Joint Board of Trustees Roofers Union Local 30 paid 0.0% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, 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.