Amercareroyal, LLC
Updated Filing received by DOL
Amercareroyal, LLC, a wholesale trade employer in Exton, Pennsylvania, reported 629 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $373,747 in insurance premiums across 7 contracts and $151,413 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 2, 2026, within the extension window.
Who was paid on Amercareroyal, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Amercareroyal, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Rolling Meadows, IL | $74,128 | $4,789 | $78,917 | 5 |
| James R Nelligan & Associates · Wall, NJ | $16,644 | $17,651 | $34,295 | 5 |
| Equinox Benefits Consulting · Emmaus, PA | $34,278 | $0 | $34,278 | 1 |
| Amwins Ancillary, LLC · Wall, NJ | $0 | $3,145 | $3,145 | 1 |
| Lockton · Dallas, TX | $1,677 | $168 | $1,845 | 2 |
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 Concordia Insurance Companydental | 839 | $373,747 | $47,624 | 12.7% |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 618 | — | $67,245 | — |
| Highmark Inc.health, vision, prescription drug | 438 | — | — | — |
| Unum Life Insurance Company of Americacoverage not coded | 206 | — | $15,599 | — |
| Unum Insurance Companycoverage not coded | 160 | — | $6,448 | — |
| Unum Insurance Companycoverage not coded | 110 | — | $7,727 | — |
| Unum Insurance Companycoverage not coded | 188 | — | $6,770 | — |
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 Amercareroyal, LLC 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 | 464 | 629 | +35.6% |
| Premiums filed | $0 | $373,747 | — |
| Broker commissions + fees | $290,824 | $151,413 | −47.9% |
| 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 |
|---|---|---|---|---|
| Amercareroyal, LLC Health and Welfare Benefits Plan#501 · insurance, general assets | December 31, 2025 | September 2, 2026 | within extension | 629 |
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 Amercareroyal, LLC pay in health insurance broker commissions in 2025?
Amercareroyal, LLC's 2025 Form 5500 reports $151,413 in broker commissions and fees across 7 insurance contracts ($125,757 in commissions, $25,656 in fees), with Gallagher receiving the largest share.
Is Amercareroyal, LLC'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 Highmark Inc..
How does Amercareroyal, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Amercareroyal, LLC 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.