Joint Board Roofers Union Local No 70 Insurance Trust Fund
Updated Filing received by DOL
Joint Board Roofers Union Local No 70 Insurance Trust Fund, a construction employer in Troy, Michigan, reported 474 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $5.5M in insurance premiums across 6 contracts and $84,373 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 3, 2026, within the extension window.
Who was paid on Joint Board Roofers Union Local No 70 Insurance Trust Fund'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 Roofers Union Local No 70 Insurance Trust Fund filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Robert G. Ruth · Clarkston, MI | $71,565 | $0 | $71,565 | 2 |
| Robert Ruth · Clarkston, MI | $7,031 | $0 | $7,031 | 1 |
| Macqueen and Associates LLC · Berkley, MI | $3,400 | $0 | $3,400 | 1 |
| Janelle M. Ruth · Clarkston, MI | $2,377 | $0 | $2,377 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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, PPO | 853 | $5.2M | $71,562 | 1.4% |
| Delta Dental of Michigandental | 884 | $257,757 | $7,031 | 2.7% |
| Athene Annuity and Life Companylife | — | — | — | — |
| Blue Care Network of Michiganhealth, prescription drug | 22 | — | $3 | — |
| National Vision Administrators, LLCvision | 896 | — | $2,377 | — |
| American United Life Insurance Companylife | 310 | — | $3,400 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Joint Board Roofers Union Local No 70 Insurance Trust Fund 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.
Premium per covered person on medical contracts: $6,136 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 390 | 474 | +21.5% |
| Premiums filed | $5,017,343 | $5,492,094 | not comparable |
| Broker commissions + fees | $89,613 | $84,373 | −5.8% |
| Commission rate | 1.6% | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 No. 70 Insurance Trust Fund#504 · insurance, trust | December 31, 2025 | September 3, 2026 | within extension | 474 |
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 Roofers Union Local No 70 Insurance Trust Fund pay in health insurance broker commissions in 2025?
Joint Board Roofers Union Local No 70 Insurance Trust Fund's 2025 Form 5500 reports $84,373 in broker commissions and fees across 6 insurance contracts ($84,373 in commissions, $0 in fees), with Robert G. Ruth receiving the largest share.
Is Joint Board Roofers Union Local No 70 Insurance Trust Fund's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan.
How does Joint Board Roofers Union Local No 70 Insurance Trust Fund's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Joint Board Roofers Union Local No 70 Insurance Trust Fund 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.