BOARD OF TRUSTEES OF U.A. LOCAL 38 TRUST FUNDS

EIN 94-1285319 · CA · Construction

Compensation disclosed10 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $1,193,8062023: $1,070,7882022: $1,209,7172021: $539,254

Benchmarked against: Construction · 501–2,500 employees · same industry, in-state · n=30 employers

1,141

(latest)

Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

Funding

$1,193,806

Broker pay, employer-paid lines (2024)

$87.19

Lines disclosed: Dental · Vision · Life

Broker pay as a share of insured premium: 3.2% (peer median n/a, percentile unavailable).

Employer-paid $1,193,806 benchmarked for 2024 · $69,323 shown as filed, excluded as a likely filing error

Why excluded?

1 broker compensation line totaling $69,323 on the Form 5500 appears to be filing errors (a commission above 100% of the premium reported on that contract, or pay above $200 per participant per month or $50,000,000 on one line). We verified these amounts against the DOL EFAST publication — they are as filed by the plan sponsor, not an Unbrokered ingest error. Those lines are shown as filed and excluded from peer benchmarks and headline PEPM.

Broker commission rate by benefit line

What the broker earns on each insured line, as a share of that line's own premium — not a share of total broker pay, and not what the coverage cost. Peers for these tiles: same region, similar covered lives. Full table below. How the national rates are built.

Medical

2.9%

Peer median 3.3%

Within peer range

Vision

5.0%

Peer median 6.5%

Within peer range

Life

9.8%

Peer median 11.0%

Within peer range

Dental

Not comparable

Commission is above 100% of the premium on this contract

This page shows what was filed. The report shows what it means.

What the gap is worth — the dollar difference vs. peer median, including a 3-year view
The current structure compared against levels comparable plans actually reported
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Broker Compensation Benchmark Report

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Where the $1,193,806 across all lines goes

Each broker and each benefit line, in dollars

How much broker pay rides inside the premium

Base commission against bonuses and other carrier payments, all funded through premium

Whether this number is drifting

Compensation across every filed year, against the peer median

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Benefits covered (latest filing)

OtherHealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / training

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).

Broker history

Benefit lines covered by year — broker identity limited on public pages

Year:

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Commission rates by benefit line

Each insured contract on the filing, with the broker's commission as a share of that contract's own premium. Premium is what was paid to the carrier for the coverage; only the commission column is broker pay.

Benefit line	Contract	Rate	vs. peers	Position
Medical · contract W0072983	Blue Shield of California	2.9%	med 3.3%	Within peer range
Medical · contract 27425	Kaiser Foundation Health Plan Inc.Plan 503 · 1,727 lives · Health	2.1%	med 3.3%	Within peer range
Medical · contract 99	Kaiser Foundation Health Plan Inc.Plan 503 · 110 lives · Health	1.7%	med 4.7%	Below peer range
Vision	Vision Service Plan	5.0%	med 6.5%	Within peer range
Lifefiled as “Life, Other (ACCIDENTAL DEATH & DI…”	The Union Labor Life Insurance Co.	9.8%	med 11.0%	Within peer range
Dental	Delta Dental of California	Not comparable	Commission is above 100% of the premium on this contract	Commission is above 100% of the premium on this contract

1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show

Life — Guardian Life Insurance Co of America — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=903 contracts, West, 501-2500 covered lives
Medical: n=4,521 contracts, West, 101-500 covered lives
Vision: n=666 contracts, West, 501-2500 covered lives
Life: n=949 contracts, West, 501-2500 covered lives
Dental: n=79 contracts, West, 2501-10000 covered lives
Life: n=600 contracts, West, 1-100 covered lives

n = the number of peer contracts in that comparison group.

Everything in this table is from the 2024 filing. These 7 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on bundled multi-line contracts, contracts with no premium reported, or Schedule C service-provider fees, none of which carry a comparable single-line rate.

Peer comparison here is contract-level: each line is matched to single-line contracts covering a similar number of lives. The geography and size band come from that cell's generated scope label. That is a different group from the plan-level peer set, which compares employers on total broker cost per employee, so the two sample sizes are not expected to agree. The national table on the research page includes every single-line contract on that benefit line. Company pages use the tightest cell with at least 10 contracts — region and size when those exist, otherwise national. The two medians answer different questions, so they are not expected to match. A rate on bundled multi-line premium is not comparable to a single-line rate, so bundled contracts are never given a peer position. Contracts under $10,000 in premium are listed for completeness, with no rate or peer position. Not comparable: Commission is above 100% of the premium on this contract

Plans on file

Expand a plan to see its insured contracts and year-over-year history — the details someone on the plan can recognize and verify.

PN 560U. A. LOCAL 38 HEALTH REIMBURSEMENT ARRANGEMENT PLAN1.2K participants (2024)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

Loading contracts…

PN 503U. A. LOCAL 38 HEALTH & WELFARE PLAN1.1K participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

Loading contracts…

Covers = benefits reported on the Form 5500 (welfare benefit codes). Contracts = insured lines itemized on Schedule A; a self-funded medical line never appears there.

At a glance

Primary brokerLimited on public pages

Years on file4

Lead broker continuityFiled brokername changed

Broker setup9 brokers in 202410 across all years

Most

Peer benchmarkConstructionn=30 · state peers

Is this your company?

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How do similar employers compare?

Employers in the same peer group (Construction, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: California employer health plans · Construction plans in California · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2024. Dataset refreshed October 7, 2026. Plan years are labeled by the year they begin, so a July 2024 – June 2025 plan year is 2024. Filings may lag 12–18 months behind the current plan year.

Report a data discrepancy

Unbrokered reports data as filed with the DOL. If you believe a figure is incorrect, tell us what it should be. We respond within 2 business days and, where the underlying filing has been amended, update on our next data refresh. We don't remove publicly filed information on request, but we do correct genuine errors.