Joint Bot Cleveland Bakers and Teamsters H & W Fund
Updated Filing received by DOL
Joint Bot Cleveland Bakers and Teamsters H & W Fund, a manufacturing — food & textile employer in Valley View, Ohio, reported 6,914 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $824 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 9, 2025, within the extension window.
Who was paid on Joint Bot Cleveland Bakers and Teamsters H & W 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 Bot Cleveland Bakers and Teamsters H & W Fund filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Centro Benefits Research LLC · Kirkwood, MO | $492 | $0 | $492 | 1 |
| The James B Oswald Company · Cleveland, OH | $0 | $332 | $332 | 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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companystop-loss, indemnity | 7,859 | — | — | — |
| Humana Insurance Companyhealth, prescription drug, PPO | 2,387 | — | — | — |
| Medmutual Life Insurance Companylife, short-term disability | 4,268 | — | — | — |
| Sun Life Assurance Company of Canadalong-term disability | 37 | — | $824 | — |
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 Bot Cleveland Bakers and Teamsters H & W 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.
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 | 7,247 | 6,914 | −4.6% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $475 | $824 | +73.5% |
| 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 |
|---|---|---|---|---|
| Cleveland Bakers and Teamsters Health and Welfare Fund#501 · insurance, trust | December 31, 2024 | October 9, 2025 | within extension | 6,914 |
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 Bot Cleveland Bakers and Teamsters H & W Fund pay in health insurance broker commissions in 2024?
Joint Bot Cleveland Bakers and Teamsters H & W Fund's 2024 Form 5500 reports $824 in broker commissions and fees across 4 insurance contracts ($492 in commissions, $332 in fees), with Centro Benefits Research LLC receiving the largest share.
Is Joint Bot Cleveland Bakers and Teamsters H & W Fund'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 Humana Insurance Company.
How does Joint Bot Cleveland Bakers and Teamsters H & W Fund's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Joint Bot Cleveland Bakers and Teamsters H & W Fund because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.