Trade Construction Company, LLC
Updated Filing received by DOL
Trade Construction Company, LLC, a manufacturing — metal, equipment, transportation employer in Zachary, Louisiana, reported 269 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $2.0M in insurance premiums across 2 contracts and $127,162 in broker commissions and fees, 5.2% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on May 26, 2026, before the deadline.
Who was paid on Trade Construction Company, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Trade Construction Company, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Rolling Meadows, IL | $124,218 | $2,944 | $127,162 | 2 |
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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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 and Blue Shield of Louisianahealth, prescription drug | 153 | $1.7M | $85,560 | 5.2% |
| Sun Life Assurance Company of Canadadental, vision, life, short-term disability, long-term disability | 195 | $310,257 | $41,602 | 13.4% |
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 Trade Construction Company, LLC 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: $10,813 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
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 |
|---|---|---|---|---|
| Trade Construction Company, LLC Welfare Benefit Plan#502 · insurance | December 31, 2025 | May 26, 2026 | before deadline | 269 |
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 Trade Construction Company, LLC pay in health insurance broker commissions in 2025?
Trade Construction Company, LLC's 2025 Form 5500 reports $127,162 in broker commissions and fees across 2 insurance contracts ($127,162 in commissions, $0 in fees), with Gallagher receiving the largest share.
Is Trade Construction Company, LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross and Blue Shield of Louisiana.
How does Trade Construction Company, LLC's broker compensation compare with similar employers?
Trade Construction Company, LLC paid 5.2% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Louisiana is 5.0%. 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.