The plumber is not making $95 an hour even if he owns the business. I worked for a contracting company and we charged $118 an hour for most service calls, our technicians ranged from $20 to $35 per hour. That looks like robbery but you factor in taxes, management, logistics, vehicle maintenance and management, rent, benefits, office staff to take calls, and you get up to that $118 very quickly. Unfortunately that’s just the nature of business in the trades.
The Guys doing the work make a fraction of the hourly rate, anywhere from 15 to 35 percent (not counting benefits). The rest goes to the house.