Form 5500 · Employee benefit plan · RIVERSIDE, RI
BOARD OF TRUSTEES OF UA LOCAL NO. 51 HEALTH & WELFARE PLAN
The filing calls this plan PLUMBERS & PIPEFITTERS LOCAL UNION 51 HEALTH & WELFARE PLAN.
BOARD OF TRUSTEES OF UA LOCAL NO. 51 HEALTH & WELFARE PLAN of RIVERSIDE, RI is a 977-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MACQUEEN AND ASSOCAITES LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF RHODE ISLAND and 3 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0498023 · plan 501 · plan year 2025, filed Feb 17, 2026
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5 other employer plans in Rhode Island have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
Benefits declared on this filing
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 health, dental, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF RHODE ISLAND, covers 1,955 people.
Reported premium across the insured contracts is $12,496,616, with $31,104 in disclosed broker commissions — about 0.2% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
MACQUEEN AND ASSOCAITES LLC is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF RHODE ISLAND, METROPOLITAN LIFE INSURANCE COMPANY, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and DELTA DENTAL OF RHODE ISLAND. BLUE CROSS BLUE SHIELD OF RHODE ISLAND writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 929 | Jan 1, 2025 | $98,277 | $18,875 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Health | 87 | Sep 1, 2024 | $95,757 | $12,229 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Health | 1,955 | May 1, 2025 | $12,222,981 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 1,642 | May 1, 2025 | $79,601 | $0 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 1,812 | May 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.
How this plan compares
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Renewal calendar
5 other employer plans in Rhode Island are September 1 renewals (policy year ends August).
Their policy years end in August, like this plan’s, so most renew September 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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