Form 5500 · Employee benefit plan · TROY, MI
JOINT BOARD OF TRUSTEES ROOFERS UNION LOCAL 30
The filing calls this plan ROOFERS UNION LOCAL 30 COMBINED HEALTH AND WELFARE FUND.
JOINT BOARD OF TRUSTEES ROOFERS UNION LOCAL 30 of TROY, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is WADE FINANCIAL, INC.. Coverage is written through INDEPENDENCE BLUE CROSS - PERSONAL CHOICE and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2258631 · plan 501 · plan year 2024, filed Oct 15, 2025
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1,931 other employer plans in Michigan have policy years ending in December. 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
Also declared: prepaid legal, death benefits.
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 6 insured contracts covering health, vision and life; the largest, with INDEPENDENCE BLUE CROSS - PERSONAL CHOICE, covers 1,335 people.
The filing declares health, vision, life, dental and disability. Dental and disability appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $10,670,994, with $2,170 in disclosed broker commissions — about 0% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
WADE FINANCIAL, INC. is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE UNION LABOR LIFE INSURANCE COMPANY | Life | 1,581 | Mar 1, 2025 | $43,404 | $2,170 |
| INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | Health | 1,335 | Jan 1, 2025 | $9,779,187 | $0 |
| INDEPENDENCE BLUE CROSS | Health | 158 | Jan 1, 2025 | $761,217 | $0 |
| VISION BENEFITS OF AMERICA | Vision | 841 | Jan 1, 2025 | $83,853 | $0 |
| VISION BENEFITS OF AMERICA | Vision | 54 | Jan 1, 2025 | $3,333 | $0 |
| INDEPENDENCE BLUE CROSS - PRESCRIPTION DRUG | Health | 1,827 | Jan 1, 2025 | — | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS - PERSONAL CHOICE, contract 40405. For the contract year on this filing, the carrier reported $9,779,187 in premium earned and $7,244,150 in claims incurred. Dividing one by the other gives 74%.
INDEPENDENCE BLUE CROSS, contract 40405. For the contract year on this filing, the carrier reported $761,217 in premium earned and $786,639 in claims incurred. Dividing one by the other gives 103%.
VISION BENEFITS OF AMERICA, contract 1578. For the contract year on this filing, the carrier reported $83,853 in premium earned and $56,167 in claims incurred. Dividing one by the other gives 67%.
VISION BENEFITS OF AMERICA, contract 1579. For the contract year on this filing, the carrier reported $3,333 in premium earned and $1,517 in claims incurred. Dividing one by the other gives 46%.
- INDEPENDENCE BLUE CROSS - PERSONAL CHOICE, contract 40405 reported $1,193,270 in retention.
- INDEPENDENCE BLUE CROSS, contract 40405 reported $92,885 in retention.
- VISION BENEFITS OF AMERICA, contract 1578 reported $27,686 in retention.
- VISION BENEFITS OF AMERICA, contract 1579 reported $1,816 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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.
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