Joint Board Plumbers & Pipefitters 333 Health & Welfare Benefit Plan
Updated Filing received by DOL
Joint Board Plumbers & Pipefitters 333 Health & Welfare Benefit Plan, a construction employer in Lansing, Michigan, reported 882 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 3 insurance contracts with no premium reported and $111,135 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Blue Cross Blue Shield of Michigan). The Department of Labor received the filing on February 26, 2026, within the extension window.
Who was paid on Joint Board Plumbers & Pipefitters 333 Health & Welfare Benefit 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 Joint Board Plumbers & Pipefitters 333 Health & Welfare Benefit Plan filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Michael G Buck · Sterling Heights, MI | $28,411 | $49,163 | $77,574 | 1 |
| Macqueen & Associates LLC · Berkley, MI | $33,481 | $80 | $33,561 | 2 |
| Thomas Daniel Schmidt · Macomb, MI | $0 | $0 | $0 | 1 |
| Dianna LYNN Atchison · Spring Lake, MI | $0 | $0 | $0 | 1 |
| Howard J Horowitz · Carmel, IN | $0 | $0 | $0 | 1 |
| Jeanette Veronica Harris · Norton Shores, MI | $0 | $0 | $0 | 1 |
| Zachary Eugene Vickers · Marietta, PA | $0 | $0 | $0 | 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 |
|---|---|---|---|---|
| Colonial Life and Accident Insurance Companylife, short-term disability | — | — | — | — |
| Blue Cross Blue Shield of Michiganstop-loss | 871 | — | $77,574 | — |
| Metropolitan Life Insurance Companylife | 3,042 | — | $33,561 | — |
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 Plumbers & Pipefitters 333 Health & Welfare Benefit 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 | 971 | 882 | −9.2% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $83,057 | $111,135 | +33.8% |
| 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 |
|---|---|---|---|---|
| Plumbers & Pipefitters Local No 333 Health and Welfare Benefit Plan#501 · insurance, trust | June 30, 2025 | February 26, 2026 | within extension | 882 |
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 Plumbers & Pipefitters 333 Health & Welfare Benefit Plan pay in health insurance broker commissions in 2024?
Joint Board Plumbers & Pipefitters 333 Health & Welfare Benefit Plan's 2024 Form 5500 reports $111,135 in broker commissions and fees across 3 insurance contracts ($61,892 in commissions, $49,243 in fees), with Michael G Buck receiving the largest share.
Is Joint Board Plumbers & Pipefitters 333 Health & Welfare Benefit 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 Blue Cross Blue Shield of Michigan).
How does Joint Board Plumbers & Pipefitters 333 Health & Welfare Benefit Plan's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Joint Board Plumbers & Pipefitters 333 Health & Welfare Benefit Plan because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.