Bellarmine University
Updated Filing received by DOL
Bellarmine University, an education services employer in Louisville, Kentucky, reported 467 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $4,816 in insurance premiums across 8 contracts and $168,319 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 13, 2026, within the extension window.
Who was paid on Bellarmine University's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Bellarmine University filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $111,607 | $19,979 | $131,586 | 7 |
| Jim Taylor · Louisville, KY | $1,118 | $0 | $1,118 | 1 |
| Marsh McLennan Agency · Greensboro, NC | $762 | $0 | $762 | 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. 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 |
|---|---|---|---|---|
| Humana Health Plan, Inc.health, HMO, PPO | — | $4,816 | $179 | — |
| The Dental Concern, Inc.vision | — | — | $7 | — |
| American Heritage Lifecoverage not coded | 116 | — | $3,605 | — |
| Lincoln National Life Insurance Companylife | 445 | — | $26,609 | — |
| Lincoln National Life Insurance Companylong-term disability | 445 | — | $4,132 | — |
| Emphesys Insurance Companyhealth, PPO | — | — | $2,602 | — |
| Pre-Paid Legal Services Inc dba Legal Shieldcoverage not coded | 78 | — | $1,118 | — |
| Anthem Health Plans of Kentucky, Inc.health, dental, vision, PPO | 789 | — | $130,067 | — |
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 Bellarmine University 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 | 459 | 467 | +1.7% |
| Premiums filed | $5,095,094 | $4,816 | not comparable |
| Broker commissions + fees | $138,193 | $168,319 | +21.8% |
| Commission rate | 2.0% | — | — |
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 |
|---|---|---|---|---|
| Bellarmine University Flexible Benefits Plan#503 · insurance, general assets | May 31, 2025 | January 13, 2026 | within extension | 467 |
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 Bellarmine University pay in health insurance broker commissions in 2024?
Bellarmine University's 2024 Form 5500 reports $168,319 in broker commissions and fees across 8 insurance contracts ($148,340 in commissions, $19,979 in fees), with Mercer receiving the largest share.
Is Bellarmine University'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 Humana Health Plan, Inc., Emphesys Insurance Company, Anthem Health Plans of Kentucky, Inc..
How does Bellarmine University's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Bellarmine University 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.