Trustees of Int'l Assn of Heat and Frost Insulators Loc 17 Welfare FD
Updated Filing received by DOL
Trustees of Int'l Assn of Heat and Frost Insulators Loc 17 Welfare FD, a construction employer in Tinley Park, Illinois, reported 1,382 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $13M in insurance premiums across 2 contracts and no broker compensation, 0.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 13, 2025, within the extension window.
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 Illinoishealth, prescription drug | 2,541 | $13M | — | — |
| Dearborn Life Insurance Companylife | 725 | — | — | — |
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 Trustees of Int'l Assn of Heat and Frost Insulators Loc 17 Welfare FD 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: $5,049 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 1,391 | 1,382 | −0.6% |
| Premiums filed | $13,640,407 | $12,828,284 | −6.0% |
| Broker commissions + fees | $0 | $0 | — |
| Commission rate | 0.0% | 0.0% | +0.0 pts |
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 |
|---|---|---|---|---|
| Int'l Association of Heat and Frost Insulators Local 17 Welfare Fund#501 · insurance, trust | December 31, 2024 | October 13, 2025 | within extension | 1,382 |
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 Trustees of Int'l Assn of Heat and Frost Insulators Loc 17 Welfare FD pay in health insurance broker commissions in 2024?
Trustees of Int'l Assn of Heat and Frost Insulators Loc 17 Welfare FD'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 Trustees of Int'l Assn of Heat and Frost Insulators Loc 17 Welfare FD'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 Blue Cross Blue Shield of Illinois.
How does Trustees of Int'l Assn of Heat and Frost Insulators Loc 17 Welfare FD's broker compensation compare with similar employers?
Trustees of Int'l Assn of Heat and Frost Insulators Loc 17 Welfare FD paid 0.0% of medical premium in commissions and fees. The median for employers with 1,000-4,999 participants is 2.0%, and the median in Illinois is 1.5%. 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.