Big Canoe Property Owners Association, Inc.
Updated Filing received by DOL
Big Canoe Property Owners Association, Inc., an arts & entertainment employer in Jasper, Georgia, reported 115 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $839,772 in insurance premiums across 4 contracts and $84,531 in broker commissions and fees, 7.6% 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 March 24, 2026, before the deadline.
Who was paid on Big Canoe Property Owners Association, 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 Big Canoe Property Owners Association, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| OneDigital · Atlanta, GA | $11,957 | $66,447 | $78,404 | 6 |
| Centro Benefits Research LLC · Kirkwood, MO | $0 | $4,180 | $4,180 | 3 |
| Core Benefit Solutions, LLC · Atlanta, GA | $1,946 | $0 | $1,946 | 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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companyhealth, prescription drug | 87 | $839,772 | $63,450 | 7.6% |
| Unum Insurance Americacoverage not coded | 17 | — | $1,246 | — |
| Starmount Life Insurance Companydental, vision | 68 | — | $8,828 | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 108 | — | $11,007 | — |
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 Big Canoe Property Owners Association, 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.
Premium per covered person on medical contracts: $9,653 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 119 | 115 | −3.4% |
| Premiums filed | $873,884 | $839,772 | −3.9% |
| Broker commissions + fees | $85,982 | $84,531 | −1.7% |
| Commission rate | 8.1% | 7.6% | −0.5 pts |
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 |
|---|---|---|---|---|
| Big Canoe Property Owners Association, Inc. Welfare Benefits Plan#505 · insurance, general assets | September 30, 2025 | March 24, 2026 | before deadline | 115 |
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 Big Canoe Property Owners Association, Inc. pay in health insurance broker commissions in 2024?
Big Canoe Property Owners Association, Inc.'s 2024 Form 5500 reports $84,531 in broker commissions and fees across 4 insurance contracts ($13,903 in commissions, $70,628 in fees), with OneDigital receiving the largest share.
Is Big Canoe Property Owners Association, Inc.'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 Big Canoe Property Owners Association, Inc.'s broker compensation compare with similar employers?
Big Canoe Property Owners Association, Inc. paid 7.6% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Georgia is 7.0%. 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.