Aberdeen Proving Ground Federal Credit Union
Updated Filing received by DOL
Aberdeen Proving Ground Federal Credit Union, a finance & insurance employer in Aberdeen, Maryland, reported 379 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $360,293 in insurance premiums across 5 contracts and $65,787 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on May 19, 2026, before the deadline.
Who was paid on Aberdeen Proving Ground Federal Credit Union's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Aberdeen Proving Ground Federal Credit Union filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kelly and Assoc Ins GRP Inc · Sparks Glenco, MD | $54,004 | $0 | $54,004 | 3 |
| The Hilb Group of Maryland LLC · Hunt Valley, MD | $5,831 | $1,276 | $7,107 | 2 |
| Kelly & Associates Ins Group Inc · Sparks, MD | $0 | $4,676 | $4,676 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Standard Insurance Companylong-term disability | 367 | $176,658 | $24,534 | 13.9% |
| Standard Insurance Companylife | 527 | $138,850 | $23,234 | 16.7% |
| Standard Insurance Companyshort-term disability | 107 | $44,785 | $6,236 | 13.9% |
| Cigna Health and Life Insurance Company and Affiliatesdental, indemnity | 347 | — | $10,240 | — |
| United Healthcare Insurance Companyvision | 17 | — | $1,543 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Aberdeen Proving Ground Federal Credit Union compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 390 | 379 | −2.8% |
| Premiums filed | $322,701 | $360,293 | +11.6% |
| Broker commissions + fees | $68,032 | $65,787 | −3.3% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Aberdeen Proving Ground Federal Credit Union Welfare Plan#501 · insurance, general assets | December 31, 2025 | May 19, 2026 | before deadline | 379 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Aberdeen Proving Ground Federal Credit Union pay in health insurance broker commissions in 2025?
Aberdeen Proving Ground Federal Credit Union's 2025 Form 5500 reports $65,787 in broker commissions and fees across 5 insurance contracts ($59,835 in commissions, $5,952 in fees), with Kelly and Assoc Ins GRP Inc receiving the largest share.
Is Aberdeen Proving Ground Federal Credit Union's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Aberdeen Proving Ground Federal Credit Union's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Aberdeen Proving Ground Federal Credit Union because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.