United Independent Union Welfare Fund
Updated Filing received by DOL
United Independent Union Welfare Fund, a transportation — truck & rail employer in Blackwood, New Jersey, reported 242 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $2.0M in insurance premiums across 5 contracts and $657 in broker commissions and fees, 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 an amended filing on October 29, 2025; the original filing date is not in the public dataset.
Who was paid on United Independent Union Welfare 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 United Independent Union Welfare Fund filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Benefits Processing Inc · Cherry Hill, NJ | $657 | $0 | $657 | 2 |
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 |
|---|---|---|---|---|
| Keystone Health Plan Easthealth | 320 | $2.0M | — | — |
| Amerihealth Insurance CompanyHMO | 8 | $17,161 | — | — |
| Life Insurance Company of North Americalife | 201 | — | $47 | — |
| United Concordia Dental Plans of PAdental | 314 | — | — | — |
| Life Insurance Company of North Americalife | 201 | — | $610 | — |
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 United Independent Union Welfare 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.
Premium per covered person on medical contracts: $6,097 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 | 221 | 242 | +9.5% |
| Premiums filed | $1,775,092 | $1,968,346 | +10.9% |
| Broker commissions + fees | $660 | $657 | −0.5% |
| 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 |
|---|---|---|---|---|
| United Independent Union Welfare Fund#501 · amended · insurance, trust | December 31, 2024 | October 29, 2025 | amended filing; original date not in data | 242 |
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 United Independent Union Welfare Fund pay in health insurance broker commissions in 2024?
United Independent Union Welfare Fund's 2024 Form 5500 reports $657 in broker commissions and fees across 5 insurance contracts ($657 in commissions, $0 in fees), with Benefits Processing Inc receiving the largest share.
Is United Independent Union Welfare 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 Keystone Health Plan East.
How does United Independent Union Welfare Fund's broker compensation compare with similar employers?
United Independent Union Welfare Fund paid 0.0% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in New Jersey is 5.4%. 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.