Plumbers & Fitters Local Union No. 110 Benefit Trust Fund
Updated Filing received by DOL
Plumbers & Fitters Local Union No. 110 Benefit Trust Fund, a construction employer in Norfolk, Virginia, reported 529 participants in its health and welfare plan for plan year 2024. Its Form 5500 lists 3 insurance contracts on Schedule A but reports no premium and no broker compensation on them. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from HCC Life Insurance Company). The Department of Labor received the filing on February 16, 2026, 1 days after the extended deadline.
Who was paid on Plumbers & Fitters Local Union No. 110 Benefit 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 Plumbers & Fitters Local Union No. 110 Benefit Trust Fund filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| H.J. Knight International Insurance · Braintree, MA | $0 | $0 | $0 | 1 |
| Hilb Group of New England, LLC · Braintree, MA | $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 |
|---|---|---|---|---|
| Ullicolife | 612 | — | — | — |
| HCC Life Insurance Companystop-loss | 612 | — | — | — |
| Humana Insurance Companyprescription drug | 110 | — | — | — |
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 Plumbers & Fitters Local Union No. 110 Benefit 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.
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 | 529 | 529 | +0.0% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $36,933 | $0 | — |
| 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 & Fitters Local Union No. 110 Benefit Trust Fund#501 · insurance, trust | April 30, 2025 | February 16, 2026 | 1 days late | 529 |
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 Plumbers & Fitters Local Union No. 110 Benefit Trust Fund pay in health insurance broker commissions in 2024?
Plumbers & Fitters Local Union No. 110 Benefit Trust Fund's 2024 Form 5500 reports no broker commissions or fees on Schedule A. Self-funded plans often pay consultants directly, which the public filing does not always capture.
Is Plumbers & Fitters Local Union No. 110 Benefit Trust Fund'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 HCC Life Insurance Company).
How does Plumbers & Fitters Local Union No. 110 Benefit Trust Fund's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Plumbers & Fitters Local Union No. 110 Benefit Trust Fund 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.