Ablelight Inc.
Updated Filing received by DOL
Ablelight Inc., a healthcare & social assistance employer in Watertown, Wisconsin, reported 911 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $233,472 in insurance premiums across 12 contracts and $102,671 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received an amended filing on September 15, 2026; the original filing date is not in the public dataset.
Who was paid on Ablelight Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Ablelight Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Virtus, LLC · Overland Park, KS | $102,471 | $0 | $102,471 | 4 |
| Img · Indianapolis, IN | $0 | $200 | $200 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Delta Dental of Wisconsindental | 398 | $196,910 | $10,770 | 5.5% |
| Delta Dental of Wisconsindental | 138 | $36,562 | $1,990 | 5.4% |
| Vision Service Planvision | 445 | — | $1,451 | — |
| Prudential Insurance Company of Americalife | 935 | — | — | — |
| Prudential Insurance Company of Americacoverage not coded | 355 | — | — | — |
| Prudential Insurance Company of Americacoverage not coded | 480 | — | — | — |
| Prudential Insurance Company of Americacoverage not coded | 935 | — | — | — |
| Prudential Insurance Company of Americacoverage not coded | 65 | — | — | — |
| Prudential Insurance Company of Americacoverage not coded | 65 | — | — | — |
| Prudential Insurance Company of Americalong-term disability | 935 | — | — | — |
| Prudential Insurance Company of Americashort-term disability | 935 | — | — | — |
| Prudential Insurance Company of Americacoverage not coded | 426 | — | $88,460 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Ablelight Inc. 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 922 | 911 | −1.2% |
| Premiums filed | $231,590 | $233,472 | +0.8% |
| Broker commissions + fees | $155,535 | $102,671 | −34.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Ablelight Inc. Employee Benefits Plan#501 · amended · insurance, general assets | August 31, 2025 | September 15, 2026 | amended filing; original date not in data | 911 |
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 Ablelight Inc. pay in health insurance broker commissions in 2024?
Ablelight Inc.'s 2024 Form 5500 reports $102,671 in broker commissions and fees across 12 insurance contracts ($102,471 in commissions, $200 in fees), with Virtus, LLC receiving the largest share.
Is Ablelight Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Ablelight Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Ablelight Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.