Atlantic Telephone Membership Corporation
Updated Filing received by DOL
Atlantic Telephone Membership Corporation, an information & publishing employer in Shallotte, North Carolina, reported 253 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $900,432 in insurance premiums across 8 contracts and $457,864 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 7, 2025, within the extension window.
Who was paid on Atlantic Telephone Membership Corporation's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Atlantic Telephone Membership Corporation filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Charlotte, NC | $158,682 | $269,920 | $428,602 | 8 |
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 |
|---|---|---|---|---|
| Standard Insurance Companydental | 431 | $530,901 | $71,181 | 13.4% |
| Standard Insurance Companylife | 427 | $166,341 | $41,245 | 24.8% |
| Standard Insurance Companylong-term disability | 367 | $137,894 | $33,875 | 24.6% |
| Standard Insurance Companyvision | 431 | $65,296 | $9,677 | 14.8% |
| Unitedhealthcare Insurance Companyhealth, prescription drug | 841 | — | $269,920 | — |
| Express Scripts, Inc.prescription drug | 49 | — | $2,950 | — |
| Standard Insurance Companyindemnity | 100 | — | $20,058 | — |
| United American Insurance Companyhealth | 49 | — | $8,958 | — |
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 Atlantic Telephone Membership Corporation 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 | 261 | 253 | −3.1% |
| Premiums filed | $830,661 | $900,432 | not comparable |
| Broker commissions + fees | $370,763 | $457,864 | +23.5% |
| 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 |
|---|---|---|---|---|
| Atlantic Telephone Membership Corporation Retiree Welfare Benefit Plan Trust#501 · insurance, trust | December 31, 2024 | October 7, 2025 | within extension | 253 |
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 Atlantic Telephone Membership Corporation pay in health insurance broker commissions in 2024?
Atlantic Telephone Membership Corporation's 2024 Form 5500 reports $457,864 in broker commissions and fees across 8 insurance contracts ($158,682 in commissions, $299,182 in fees), with Marsh McLennan Agency receiving the largest share.
Is Atlantic Telephone Membership Corporation'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 Unitedhealthcare Insurance Company, United American Insurance Company.
How does Atlantic Telephone Membership Corporation's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Atlantic Telephone Membership Corporation 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.