Area Agency on Aging District 7
Updated Filing received by DOL
Area Agency on Aging District 7, a healthcare & social assistance employer in Jackson, Ohio, reported 189 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $2.9M in insurance premiums across 5 contracts and $65,310 in broker commissions and fees, 1.5% 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 August 4, 2026, within the extension window.
Who was paid on Area Agency on Aging District 7's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Area Agency on Aging District 7 filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Opoc.Us Insurance Services LLC · Worthington, OH | $50,940 | $1,974 | $52,914 | 3 |
| Reb Consulting, Inc. · Worthington, OH | $5,694 | $175 | $5,869 | 2 |
| Centerstone Insurance Agency & Fina · Dallas, TX | $3,381 | $0 | $3,381 | 1 |
| Justin J McOnald · Baltimore, OH | $824 | $90 | $914 | 1 |
| Overall Benefits Group LLC · Thornville, OH | $693 | $182 | $875 | 1 |
| Lisa R Canfield · Thornville, OH | $494 | $6 | $500 | 1 |
| Brooke Harmon & Associates LLC · Pomaria, SC | $213 | $109 | $322 | 1 |
| Howard Meszaros · Plain City, OH | $193 | $0 | $193 | 1 |
| Jennifer Loeffler · Canal Winchester, OH | $137 | $0 | $137 | 1 |
| The Clark Group of SC · Laurens, SC | $41 | $68 | $109 | 1 |
| Integrated Employee Benefit Solutio · Plain City, OH | $63 | $0 | $63 | 1 |
| Advanced Benefit System Inc. · Daniel Island, SC | $14 | $17 | $31 | 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 |
|---|---|---|---|---|
| Medical Mutualhealth | 117 | $2.8M | $40,911 | 1.5% |
| Standard Insurance Companyvision, life, long-term disability | 168 | $74,069 | $8,748 | 11.8% |
| Colonial Life & Accident Insurance Companycoverage not coded | 38 | — | $6,153 | — |
| Metropolitan Life Insurance Companydental | 408 | — | $6,243 | — |
| Medmutual Lifedental, long-term disability | 167 | — | $3,255 | — |
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 Area Agency on Aging District 7 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: $24,018 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 | 182 | 189 | +3.8% |
| Premiums filed | $3,252,147 | $2,884,172 | −11.3% |
| Broker commissions + fees | $64,076 | $65,310 | +1.9% |
| Commission rate | 1.5% | 1.5% | −0.0 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 |
|---|---|---|---|---|
| Area Agency on Aging District 7 Welfare Benefit Plan#509 · insurance, general assets | December 31, 2025 | August 4, 2026 | within extension | 189 |
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 Area Agency on Aging District 7 pay in health insurance broker commissions in 2025?
Area Agency on Aging District 7's 2025 Form 5500 reports $65,310 in broker commissions and fees across 5 insurance contracts ($62,689 in commissions, $2,621 in fees), with Opoc.Us Insurance Services LLC receiving the largest share.
Is Area Agency on Aging District 7'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 Medical Mutual.
How does Area Agency on Aging District 7's broker compensation compare with similar employers?
Area Agency on Aging District 7 paid 1.5% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Ohio is 3.5%. 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.