Acec Life/Health Insurance Trust Benefit Consortium
Updated Filing received by DOL
Acec Life/Health Insurance Trust Benefit Consortium, a finance & insurance employer in The Woodlands, Texas, reported 35,940 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $443M in insurance premiums across 3 contracts and $21M in broker commissions and fees, 4.8% 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 June 15, 2026, before the deadline.
Who was paid on Acec Life/Health Insurance Trust Benefit Consortium's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Acec Life/Health Insurance Trust Benefit Consortium filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| RSC Insurance Brokerage Total · Mount Pleasant, WI | $1,178,912 | $0 | $1,178,912 | 3 |
| HUB International · Omaha, NE | $1,088,357 | $0 | $1,088,357 | 8 |
| Marsh McLennan Agency · Clearwater, FL | $982,008 | $0 | $982,008 | 22 |
| AssuredPartners · Las Vegas, NV | $813,842 | $0 | $813,842 | 14 |
| Relation Insurance · Irvine, CA | $759,866 | $0 | $759,866 | 1 |
| USI Insurance Services · Cincinnati, OH | $728,450 | $0 | $728,450 | 2 |
| Acrisure · Addison, TX | $600,371 | $0 | $600,371 | 12 |
| Lockton · Los Angeles, CA | $579,224 | $0 | $579,224 | 5 |
| Bci Insurance Solutions Inc Total · Houston, TX | $540,465 | $0 | $540,465 | 2 |
| Holmes Murphy · Waukee, IA | $490,079 | $0 | $490,079 | 2 |
| Black Gould & Associates Inc Total · Phoenix, AZ | $393,087 | $0 | $393,087 | 1 |
| Savage & Associates Inc Total · Maumee, OH | $342,097 | $0 | $342,097 | 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 |
|---|---|---|---|---|
| United Health Care Insurance Cohealth, dental, vision, life, short-term disability, long-term disability, prescription drug | 68,003 | $443M | $21M | 4.8% |
| Guardian Life Insurance Companydental, vision, life, short-term disability, long-term disability | — | — | — | — |
| Trustmark Insurance Co.health, dental, vision, life, short-term disability, long-term disability, prescription drug | — | — | — | — |
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 Acec Life/Health Insurance Trust Benefit Consortium 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: $6,520 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 | 34,732 | 35,940 | +3.5% |
| Premiums filed | $413,354,718 | $443,367,221 | +7.3% |
| Broker commissions + fees | $19,239,985 | $21,226,104 | +10.3% |
| Commission rate | 4.7% | 4.8% | +0.1 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 |
|---|---|---|---|---|
| Acec / Life & Health Group Welfare Plan#501 · insurance, trust | December 31, 2025 | June 15, 2026 | before deadline | 35,940 |
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 Acec Life/Health Insurance Trust Benefit Consortium pay in health insurance broker commissions in 2025?
Acec Life/Health Insurance Trust Benefit Consortium's 2025 Form 5500 reports $21,226,104 in broker commissions and fees across 3 insurance contracts ($21,226,104 in commissions, $0 in fees), with RSC Insurance Brokerage Total receiving the largest share.
Is Acec Life/Health Insurance Trust Benefit Consortium'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 United Health Care Insurance Co, Trustmark Insurance Co..
How does Acec Life/Health Insurance Trust Benefit Consortium's broker compensation compare with similar employers?
Acec Life/Health Insurance Trust Benefit Consortium paid 4.8% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in Texas is 5.6%. 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.