Applied Physical Sciences Corp.
Updated Filing received by DOL
Applied Physical Sciences Corp., a professional & technical services employer in Groton, Connecticut, reported 222 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 6 insurance contracts with no premium reported and $216,219 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 27, 2026, before the deadline.
Who was paid on Applied Physical Sciences Corp.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Applied Physical Sciences Corp. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| T.M. Burrows Associates, LLC · New London, CT | $12,168 | $101,456 | $113,624 | 2 |
| Professional Group Plans, Inc · Hauppauge, NY | $0 | $76,617 | $76,617 | 1 |
| Archon, LLC · Hauppauge, NY | $0 | $13,811 | $13,811 | 4 |
| TM Burrows Associates LLC · New London, CT | $12,167 | $0 | $12,167 | 4 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companyhealth, vision, prescription drug | 285 | — | $179,520 | — |
| Anthem Health Plans, Inc.dental | 466 | — | $10,721 | — |
| Life Insurance Company of North Americacoverage not coded | 229 | — | $2,641 | — |
| Life Insurance Company of North Americalife | 229 | — | $8,244 | — |
| Life Insurance Company of North Americalong-term disability | 229 | — | $9,736 | — |
| Life Insurance Company of North Americashort-term disability | 229 | — | $5,357 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Applied Physical Sciences Corp. 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 183 | 222 | +21.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $184,812 | $216,219 | +17.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Applied Physical Sciences Corp. Flexible Benefits Plan#501 · general assets | September 30, 2025 | April 27, 2026 | before deadline | 222 |
| Applied Physical Sciences Corp. Employee Benefits Plan#502 · insurance | September 30, 2025 | April 27, 2026 | before deadline | 222 |
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 Applied Physical Sciences Corp. pay in health insurance broker commissions in 2024?
Applied Physical Sciences Corp.'s 2024 Form 5500 reports $216,219 in broker commissions and fees across 6 insurance contracts ($24,335 in commissions, $191,884 in fees), with T.M. Burrows Associates, LLC receiving the largest share.
Is Applied Physical Sciences Corp.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health and Life Insurance Company.
How does Applied Physical Sciences Corp.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Applied Physical Sciences Corp. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.