Mid-America Carpenters Regional Benefit Services

What Mid-America Carpenters Regional Benefit Services does

Mid-America Carpenters Regional Benefit Services (MACRBS) is a not-for-profit multiemployer benefit trust established in 1969 and headquartered in St. Louis, Missouri. It administers health and welfare, pension, vacation, and annuity benefit plans on behalf of union carpenter members of the Mid-America Carpenters Regional Council (MACRC), a four-state regional council covering Illinois, Missouri, Kansas, and Eastern Iowa formed through the 2021 merger of the St. Louis-Kansas City and Chicago Carpenters Regional Councils. The organization serves more than 50,000 working members and their families, with the St. Louis Pension Plan alone covering over 13,000 active and vested participants plus more than 7,000 pension recipients. Benefits are funded exclusively through employer contributions negotiated in collective bargaining agreements between MACRC and signatory contractors; the funds are governed by boards of trustees under IRS and federal labor law (Taft-Hartley framework).

The technology footprint is administrative rather than proprietary: a member self-service portal (carpdc.org) and corporate website (laborfunds.org) handle benefit inquiries, vacation redemption, annuity and pension account access, and secure document exchange. Service delivery is heavily outsourced through partnerships with UMR/UnitedHealthcare (medical/Medicare Advantage), Express Scripts (pharmacy), Delta Dental, VSP (vision), MetLife (life insurance), Manulife John Hancock (annuity recordkeeping from May 2026), Teladoc (telehealth), Mercy (behavioral health), and Pelago (smoking cessation). On-site care is delivered through two Carpenters Wellness Centers operated by Marathon Health in St. Louis and Kansas City, and physical therapy is delivered through PEAK Sport & Spine at $0 out-of-pocket cost.

MACRBS does not sell benefits commercially; instead, it acts as a pooled administrative and risk-bearing entity for CBA-funded benefits, with revenue consisting of administrative fees drawn from the underlying trust funds. The operating model is consolidation-driven, exemplified by the April 2025 merger of two regional health plans and the ongoing multi-decade consolidation of regional councils and pension funds into the MACRC structure.

Name

Mid-America Carpenters Regional Benefit Services

Legal name

Mid-America Carpenters Regional Benefit Services

Website

https://laborfunds.org

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

51–100 employees

Short description

Mid-America Carpenters Regional Benefit Services is a not-for-profit Taft-Hartley multiemployer trust administering health, pension, vacation, and annuity plans for over 50,000 union carpenter members of the Mid-America Carpenters Regional Council across Illinois, Missouri, Kansas, and Eastern Iowa.

Ownership category

akta.pro rank

Product category

Multiemployer Benefit Fund Administration

NAICS

Health and Welfare Funds (525120)

SIC

Services-Membership Organizations (8600)

akta.pro primary industry

Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

akta.pro secondary industries

Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB), Group Annuities (Employer/Institutional) (FSAIACAI)

Keywords

• Multiemployer benefit administration
• Union health welfare plans
• Taft-Hartley pension funds
• Carpenter wellness centers
• Defined contribution annuities

Headquarters

HQ city

St Louis

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Collective Bargaining Agreement Contributions: Health, pension, vacation, and annuity benefits are funded through employer contributions negotiated in collective bargaining agreements between signatory contractors and the Mid-America Carpenters Regional Council. A portion of the overall wage package is dedicated to benefits.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

MACRBS administers multiemployer health, pension, annuity, and vacation benefit plans for union carpenter members of the Mid-America Carpenters Regional Council and their families across Southern Illinois, Missouri, Kansas and Eastern Iowa. Benefits are funded by employer contributions negotiated in collective bargaining agreements and delivered through an online member portal, on-site wellness centers, and a network of provider partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Health and Welfare Plan Comprehensive health and welfare benefit plan covering medical (UMR/UnitedHealthcare), dental (Delta Dental), vision (VSP), pharmacy (Express Scripts), behavioral health (Mercy MAP, Teladoc), and life insurance (MetLife) for active and retired MACRC carpenter members and their dependents.
• Pension Plan Defined benefit pension plan serving more than 13,000 active and vested deferred participants and over 7,000 present pension recipients. Members can calculate pension projections through the carpdc.org member portal.
• Annuity Plan

Quantifiable outcome

• No-cost or low-cost healthcare services at Carpenters Wellness Centers including primary care, pharmacy, physical therapy, and behavioral health
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

14 partnerships are on record, tiered core.

• UMR (UnitedHealthcare)coreTechnology or IntegrationUMR serves as the medical benefit network partner for St. Louis-Kansas City region active participants, providing claims processing, provider network access, and member services through umr.com. UMR also handles behavioral health network services.
• UnitedHealthcarecoreTechnology or IntegrationUnitedHealthcare provides Group Medicare Advantage PPO coverage for Carpenters' Medicare retirees and eligible dependents, known as Carpenters' Medicare. Includes SilverSneakers fitness benefits, hearing aid discounts, and virtual visits.
• Delta Dental of MissouricoreTechnology or IntegrationDelta Dental serves as network sponsor, processes dental claims, and provides access to its dental networks (PPO and Premier) for Carpenters Health Plan.
• VSP Vision CarecoreTechnology or IntegrationVSP provides access to its comprehensive network of vision providers with discounted rates on vision services and equipment for plan participants.
• Express ScriptscoreTechnology or IntegrationExpress Scripts is the prescription drug network for the St. Louis-Kansas City Carpenters Regional Health Plan, covering medically necessary prescription drugs and preventive medications.
• TeladoccoreTechnology or IntegrationTeladoc provides 24/7 access to U.S. board-certified doctors via phone or mobile app for affordable medical care, including behavioral health services at no cost to members.
• Mercy (Member Assistance Program)coreTechnology or IntegrationMercy's Member Assistance Program (MAP) provides free, confidential, short-term counseling services for participants and covered dependents, with up to six visits included.
• MetLifecoreTechnology or IntegrationMetLife provides life insurance benefits for all covered Carpenters' participants and their covered dependents, including living benefits and value-add programs.
• Manulife John HancockcoreTechnology or IntegrationAs of May 2026, Manulife John Hancock provides annuity fund recordkeeping services for the St. Louis-Kansas City Carpenters Regional Annuity Plan, including daily valuation, online account management, and mobile app access.
• Marathon HealthcoreTechnology or IntegrationMarathon Health operates the Carpenters Wellness Centers in St. Louis and Kansas City, providing comprehensive on-site healthcare services including primary care, pharmacy, vision, therapy, and behavioral health.
• PEAK Sport & SpinecoreTechnology or IntegrationPEAK Sport & Spine provides physical, occupational, and hand therapy services at $0 out-of-pocket costs for covered participants and their families, with locations throughout the service area.
• PelagocoreTechnology or IntegrationPelago (formerly Quit Genius) provides a digital smoking cessation program available at no cost to eligible participants and dependents 18 and older, including one-to-one coaching and personalized action plans.
• St. Louis MRO, Inc.coreTechnology or IntegrationSt. Louis MRO, Inc. is the drug testing company utilized by the CRC, providing drug and alcohol testing services at multiple locations including St. Louis, Kansas City, and Belleville.
• United Brotherhood of Carpenters and Joiners of AmericacoreStrategic or Co-development PartnerUBC sponsors International Reciprocal Agreements for Carpenters Health & Welfare Funds and Pension Funds, allowing participants to transfer hours from work jurisdictions to their home fund.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Chicago Regional Council of Carpenters Benefit Trust Funds: Direct peer administering health, pension, annuity, and vacation benefits for Chicago-area union carpenters. Was one of the two entities merged in 2021 to form MACRC, and now operates as the Northern Region counterpart to MACRBS's Southern Region funds.
• New England Carpenters Benefit Funds: Direct peer administering health, pension, annuity, vacation, and apprenticeship benefits for New England region union carpenters. Operates as an independent Taft-Hartley multiemployer trust with similar CBA-funded contribution model.
• Pacific Northwest Regional Council of Carpenters Trust Funds: Direct peer administering carpenters benefit trusts in the Pacific Northwest. Another regional Carpenters union benefit fund administrator operating under the same UBC multiemployer trust model with health, pension, and annuity components.
• Southwest Carpenters Regional Council Trust Funds: Direct peer administering benefits for carpenters in the Southwest U.S. Operates a parallel multiemployer trust structure for UBC carpenters with health, pension, and training funds.
• Empire State Carpenters Benefit Funds: Direct peer administering health, pension, annuity, and vacation benefits for New York State union carpenters. Comparable size and Taft-Hartley multiemployer trust governance to MACRBS.
• Indiana/Kentucky/Ohio Regional Council of Carpenters Benefit Trust Funds: Direct peer administering benefits for carpenters across Indiana, Kentucky, and Ohio. Another regional UBC benefit trust administrator serving a similar Midwestern/Southern footprint.

Broad incumbents

• Central States Pension Fund (Teamsters): Largest and most well-known U.S. multiemployer Taft-Hartley pension plan, administered for Teamsters. A broader incumbent in multiemployer benefit plan administration with much larger scale (400,000+ participants) but similar governance and funding model.
• National Electrical Benefit Fund (NEBF): National IBEW/NECA Taft-Hartley pension trust covering electrical workers nationwide. Comparable multiemployer benefit administration but for the electrical trade rather than carpentry.
• Laborers' National Pension Fund: National Taft-Hartley pension fund for Laborers' International Union members. Broader construction trade peer operating a multiemployer defined benefit plan with similar CBA contribution mechanics.
• Operating Engineers Pension Trust: Multiemployer pension and benefit trust for International Union of Operating Engineers. Comparably structured Taft-Hartley benefit administrator serving another construction trade, illustrating both a peer model and a likely roadmap for cross-trade consolidation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/stlkccarpbenefitplans
• Instagraminstagram.com/midamcarpentersbenefits

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mid-America Carpenters Regional Benefit Services