I'm talking construction, that sounds more like factory stuff. Everything is included when they are negotiating a contract to come to an agreement, but that contract is valid for however many years they agree. Our latest one is a 5 year one i think. Each contractor will pay a different rate for work comp, unemployment, e.t.c, but the contract is thre same for all doing that work. There are different contracts depending on the work, but they are usually fairly similar. The employee will see what's on the check, the dues and other after tax deductions, and hours for pension/ healthcare. The take home pay is just a portion of the entire wage package.
When a non union contractor works a prevailing wage job, they are required by law to pay the going rate, which can be looked up for the area by checking the Davis bacon prevailing wage for the state, then by area. Since they almost never have the benefits that the union contractor will, they usually have to just put that money directly on the check, so a non union employee will actually bring home more a week than a comparable union guy.
If you guys are ever on a prevailing wage job, make sure they are paying you the total package rate, not just the hourly wage rate. A bunch of shady contractors try to sneak that one by the workers, who usually don't know better and know their legal rights/ what the rate is. They can take out for benefits that they do have, such as health insurance, but the pension and retirement might have to be placed on the check if they don't have that for you. Also the hours you work go by the contract overtime rules, so anything over 8 (or technically outside of the scheduled 8 hour day) and Saturdays are usually time and a half, and sundays are usually double time too. Some areas are still all overtime at double time. Less than 8 hours off you should stay on overtime rate till they give you 8 hours off consecutively. And in some areas they have what's called pyramiding benefits, meaning the benefits also are subject to the overtime rate changes. So for example the total package is 60 an hour, 40 on the check, but your employer pays no health or retirement so you would get 60 an hour. In a non pyramiding area ot would be (40 x 1.5 + 20 = 80) and in a pyramiding area you would get (60 x 1.5 = 90). Also if you are doing operator work (driving heavy equipment), they should be paying you as an operator, not a lower classification such as a laborer. Any questions?