Accu Reference Medical Labs
Updated Filing received by DOL
Accu Reference Medical Labs, a healthcare & social assistance employer in Linden, New Jersey, reported 765 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $127,419 in insurance premiums across 5 contracts and $44,436 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 20, 2026, before the deadline.
Who was paid on Accu Reference Medical Labs's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Accu Reference Medical Labs filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Broker Unknown | $19,117 | $0 | $19,117 | 1 |
| Hafetz and Associates LLC · Linwood, NJ | $18,568 | $0 | $18,568 | 4 |
| Horizon Insurance Company · Newark, NJ | $0 | $2,994 | $2,994 | 1 |
| Charles H Finkelday · Galloway, NJ | $2,108 | $112 | $2,220 | 1 |
| Michael Butterfield · Cape May Court House, NJ | $593 | $3 | $596 | 1 |
| John T Capozzi · Middletown, DE | $153 | $0 | $153 | 1 |
| Desarno Benefits LLC · Interlaken, NJ | $136 | $12 | $148 | 1 |
| Brian Henry Cieslak · Somers Point, NJ | $128 | $0 | $128 | 2 |
| Michael Hensh · Williamstown, NJ | $106 | $17 | $123 | 1 |
| Mitchell N Hnant · Brick, NJ | $116 | $0 | $116 | 1 |
| Michael J Desarno · Wall, NJ | $102 | $8 | $110 | 1 |
| Sharon L Sparks-Renaud · Carneys Point, NJ | $48 | $0 | $48 | 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 |
|---|---|---|---|---|
| Fidelity Security Life Insurancecoverage not coded | 185 | $127,419 | $19,117 | 15.0% |
| Aflacdental, life, short-term disability | 38 | — | $4,438 | — |
| Usable Lifelife | 865 | — | $9,004 | — |
| Vision Service Planvision | 331 | — | $3,804 | — |
| Horizon Healthcare Services, Inc.dental | 401 | — | $8,073 | — |
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 Accu Reference Medical Labs 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 | 668 | 765 | +14.5% |
| Premiums filed | $192,329 | $127,419 | −33.7% |
| Broker commissions + fees | $55,672 | $44,436 | −20.2% |
| 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 |
|---|---|---|---|---|
| Accu Reference Medical Lab Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 20, 2026 | before deadline | 765 |
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 Accu Reference Medical Labs pay in health insurance broker commissions in 2025?
Accu Reference Medical Labs's 2025 Form 5500 reports $44,436 in broker commissions and fees across 5 insurance contracts ($41,290 in commissions, $3,146 in fees), with Broker Unknown receiving the largest share.
Is Accu Reference Medical Labs's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Accu Reference Medical Labs's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Accu Reference Medical Labs 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.