Bc&L, Inc.
Updated Filing received by DOL
Bc&L, Inc., a professional & technical services employer in Austin, Texas, reported 290 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 1 insurance contract with no premium reported and $63,789 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on October 15, 2025, within the extension window.
Who was paid on Bc&L, 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 Bc&L, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gis Benefits Inc · Morris, IL | $19,808 | $25,136 | $44,944 | 2 |
| Boon-Chapman Benefit Administrators · Austin, TX | $0 | $18,845 | $18,845 | 1 |
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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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 |
|---|---|---|---|---|
| Metropolitan Life Insurance Companydental, vision, life, long-term disability | 498 | — | $63,789 | — |
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 Bc&L, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 408 | 290 | −28.9% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $1,719 | $63,789 | +3610.8% |
| 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 |
|---|---|---|---|---|
| Bc&L Employee Benefit Plan#501 · insurance, general assets | December 31, 2024 | October 15, 2025 | within extension | 290 |
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 Bc&L, Inc. pay in health insurance broker commissions in 2024?
Bc&L, Inc.'s 2024 Form 5500 reports $63,789 in broker commissions and fees across 1 insurance contracts ($28,729 in commissions, $35,060 in fees), with Gis Benefits Inc receiving the largest share.
Is Bc&L, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Bc&L, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Bc&L, Inc. 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.