Form 5500 · Employee benefit plan · NEWARK, NJ
BOARD OF TRUSTEES, HEAVY & GENERAL LABORERS WELFARE FUND OF NEW JERSEY
The filing calls this plan HEAVY & GENERAL LABORERS' LOCAL 472 & LOCAL 172 OF NJ- WELFARE FUND.
BOARD OF TRUSTEES, HEAVY & GENERAL LABORERS WELFARE FUND OF NEW JERSEY of NEWARK, NJ is a 9,796-participant construction employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is THE SEGAL COMPANY(EASTERN STATES),. Coverage is written through THE UNION LABOR LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-1481564 · plan 501 · plan year 2025, filed Jan 12, 2026
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95 other employer plans in New Jersey have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering life and stop-loss; the largest, with THE UNION LABOR LIFE INSURANCE COMPANY, covers 7,866 people.
The filing declares life, health, dental, vision and disability. Health, dental, vision and disability appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $3,837,123 in premium and $134,767 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $4,721,615, with $134,767 in disclosed broker commissions — about 2.9% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE UNION LABOR LIFE INSURANCE COMPANY | Stop-loss | 7,866 | Apr 1, 2025 | $3,837,123 | $134,767 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 7,105 | Apr 1, 2025 | $490,597 | $0 |
| ZURICH AMERICAN INSURANCE COMPANY | — | — | Apr 1, 2025 | $393,895 | $0 |
| EMPOWER ANNUITY INSURANCE COMPANY | Annuity / GIC | 10,102 | Jan 1, 2025 | $1,870,377 | $0 |
| HARTFORD FIRE INSURANCE COMPANY | — | — | Apr 1, 2025 | — | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
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