Form 5500 · Employee benefit plan · PROVIDENCE, RI
RI LABORERS HEALTH FUND BOARD OF TRUSTEES
The filing calls this plan RHODE ISLAND LABORERS HEALTH FUND.
Public Form 5500 records show how RI LABORERS HEALTH FUND BOARD OF TRUSTEES of PROVIDENCE, RI, a construction employer, structures its employee benefits. Its broker of record is THE SEGAL CO.. Coverage is written through BLUE CROSS BLUE SHIELD OF RHODE ISLAND and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0368200 · plan 501 · plan year 2024, filed Oct 14, 2025
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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.
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
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 3 insured contracts covering health, dental, life and stop-loss; the largest, with BLUE CROSS BLUE SHIELD OF RHODE ISLAND, covers 4,688 people.
The filing declares health, dental, life and vision. Vision appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium is $33,321,310; the filing discloses no broker commission on these contracts.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Health, Stop-loss | 4,688 | Jan 1, 2025 | $33,017,746 | $0 |
| BLUE CROSS BLUE SHIELD OF RHODE ISLAND | Dental | 4,226 | Jan 1, 2025 | $159,057 | $0 |
| THE UNION LABOR LIFE INSURANCE COMPANY | Life | 1,768 | Aug 1, 2024 | $144,507 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF RHODE ISLAND, contract 6820/2285. For the contract year on this filing, the carrier reported $33,017,746 in premium earned and $31,186,422 in claims incurred. Dividing one by the other gives 94%.
- BLUE CROSS BLUE SHIELD OF RHODE ISLAND, contract 6820/2285 reported $1,831,324 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.
How this plan compares
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