Alera Group, Inc.
Updated Filing received by DOL
Alera Group, Inc., a finance & insurance employer in Deerfield, Illinois, reported 4,351 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 12 insurance contracts with no premium reported and $539,983 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 15, 2026, before the deadline.
Who was paid on Alera Group, 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 Alera Group, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| C M Smith Agency Inc · Hartford, CT | $116,305 | $79,038 | $195,343 | 6 |
| Yarbrough Kenneth C · Atlanta, GA | $84,892 | $11,273 | $96,165 | 3 |
| Morris & Boyle an Alera Group · Walnut Creek, CA | $63,668 | $9,299 | $72,967 | 3 |
| Tippett Moorhead & Haden an Alera · Costa Mesa, CA | $63,668 | $844 | $64,512 | 3 |
| Boston Benefit Partners an Alera · Boston, MA | $42,288 | $0 | $42,288 | 2 |
| Propel Insurance Agency LLC · Tacoma, WA | $27,865 | $0 | $27,865 | 1 |
| Lighthouse Group an Alera Group · Grand Rapids, MI | $23,581 | $3,446 | $27,027 | 3 |
| GCG Financial LLC · Deerfield, IL | $2,071 | $0 | $2,071 | 1 |
| Alera Group Inc dba National · Atlanta, GA | $0 | $1,125 | $1,125 | 1 |
| Benefit Advisors Network · Beachwood, OH | $0 | $2 | $2 | 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 |
|---|---|---|---|---|
| Unum Insurance Companycoverage not coded | 1,980 | — | $25,248 | — |
| Federal Insurance Companycoverage not coded | 4,554 | — | $2,071 | — |
| Unum Insurance Companycoverage not coded | 1,959 | — | $7,707 | — |
| Cigna Health and Life Insurance Companyhealth, dental, HMO, indemnity | 317 | — | — | — |
| Unum Life Insurance Company of Americalife, long-term disability | 4,554 | — | $71,913 | — |
| Unum Life Insurance Company of Americalife | 2,159 | — | $29,442 | — |
| Kaiser Foundation Health Plan Inchealth, HMO | 82 | — | $33,081 | — |
| Kaiser Foundation Health Plan Inc.health, HMO | 154 | — | $70,242 | — |
| Premera Blue Crosshealth, prescription drug | 879 | — | $27,865 | — |
| Provident Life and Casualty Insurance Companylong-term disability | 49 | — | $25,707 | — |
| Provident Life and Accident Insurance Companylong-term disability | 397 | — | $234,308 | — |
| Provident Life and Accident Insurance Companylong-term disability | 11 | — | $12,399 | — |
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 Alera Group, 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 4,100 | 4,351 | +6.1% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $326,968 | $539,983 | +65.1% |
| 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 |
|---|---|---|---|---|
| Alera Group, Inc. Welfare Benefits Plan#501 · insurance, general assets | December 31, 2025 | July 15, 2026 | before deadline | 4,351 |
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 Alera Group, Inc. pay in health insurance broker commissions in 2025?
Alera Group, Inc.'s 2025 Form 5500 reports $539,983 in broker commissions and fees across 12 insurance contracts ($424,338 in commissions, $115,645 in fees), with C M Smith Agency Inc receiving the largest share.
Is Alera Group, 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 Cigna Health and Life Insurance Company, Kaiser Foundation Health Plan Inc, Kaiser Foundation Health Plan Inc..
How does Alera Group, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Alera Group, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
Send the full findings to your inbox.
A specialist writes up every finding for Alera Group, Inc. with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.