​The MCA Health Care and Retirement Trusts offer health care and retirement plans for participating contractor members of the MCA. These employer-sponsored plans are qualified plans as defined by the Internal Revenue Service, making benefit contributions by employers exempt from payroll taxes. The plans are governed by the Employee Retirement Income Security Act of 1974 (ERISA), and are accepted as independent, third-party trusts qualified to administer Davis-Bacon prevailing fringe contributions by the state of Montana.

LEARN MORE ABOUT THE MCA TRUSTS & what options ARE Best For You

​The MCA Health Care Trust offers five health care plan options: four comprehensive medical options and one high-deductible option. All Plan options exceed the Affordable Care Act standards for affordability and minimum value.

The MCA Retirement Trusts (MCART) offers a money purchase plan and a 401(k) plan. MCART has averaged an 8.1% annual rate of return since its inception in 1988. These plans help construction workers meet their retirement objectives. The MCA Trusts cover both hourly and salaried employees. Both plans are portable; when employees move from one trust-participating employer to another, they maintain their benefit accounts (health care hour bank and retirement balances).

Note: Some MCA member companies may not qualify for participation.

​To learn more about the plans and company participation requirements, contact us: