Accessone Medcard, Inc.
Updated Filing received by DOL
Accessone Medcard, Inc., a finance & insurance employer in Fort Mill, South Carolina, reported 119 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.4M in insurance premiums across 2 contracts and $83,850 in broker commissions and fees, 3.8% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 18, 2026, within the extension window.
Who was paid on Accessone Medcard, 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 Accessone Medcard, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · Virginia Beach, VA | $20,882 | $3,613 | $24,495 | 2 |
| Emerson Rogers LLC · Elmwood Park, NJ | $0 | $7,133 | $7,133 | 1 |
| Emerosn Rogers LLC · Elmwood Park, NJ | $0 | $742 | $742 | 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 |
|---|---|---|---|---|
| Bluechoice Healthplan South Carolinahealth, prescription drug, PPO | 98 | $1.4M | $51,480 | 3.8% |
| The Lincoln National Life Insurance Companydental, vision, life, short-term disability, long-term disability | 118 | — | $32,370 | — |
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 Accessone Medcard, 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.
Premium per covered person on medical contracts: $13,867 a year (national median $7,274).
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 | 124 | 119 | −4.0% |
| Premiums filed | $1,417,736 | $1,359,004 | −4.1% |
| Broker commissions + fees | $84,912 | $83,850 | −1.3% |
| Commission rate | 4.2% | 3.8% | −0.4 pts |
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 |
|---|---|---|---|---|
| Accessone Medcard, Inc. Employee Benefits Plan#501 · final filing · insurance, general assets | December 31, 2025 | August 18, 2026 | within extension | 119 |
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 Accessone Medcard, Inc. pay in health insurance broker commissions in 2025?
Accessone Medcard, Inc.'s 2025 Form 5500 reports $83,850 in broker commissions and fees across 2 insurance contracts ($72,362 in commissions, $11,488 in fees), with USI Insurance Services receiving the largest share.
Is Accessone Medcard, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Bluechoice Healthplan South Carolina.
How does Accessone Medcard, Inc.'s broker compensation compare with similar employers?
Accessone Medcard, Inc. paid 3.8% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in South Carolina is 3.9%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.