Form 5500 · Employee benefit plan · SPARKS, MD
TRUSTEES OF IUOE LOCAL 487 HEALTH & WELFARE TRUST FUND
The filing calls this plan IUOE LOCAL 487 HEALTH & WELFARE TRUST FUND.
Public Form 5500 records show how TRUSTEES OF IUOE LOCAL 487 HEALTH & WELFARE TRUST FUND of SPARKS, MD, a construction employer, structures its employee benefits. Its broker of record is BROWN & BROWN. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-6231991 · plan 501 · plan year 2025, filed Dec 2, 2025
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53 other employer plans in Maryland 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
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: 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.
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 2 insured contracts covering health and life; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 1,800 people.
The filing declares health, life, dental and vision. Dental and vision 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 $9,700,049, with $5,127 in disclosed broker commissions — about 0.1% 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.
BROWN & BROWN is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 1,800 | Apr 1, 2025 | $9,566,392 | $5,127 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 775 | Apr 1, 2025 | $133,657 | $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
53 other employer plans in Maryland are April 1 renewals (policy year ends March).
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