Blair Image Elements, Inc.
Updated Filing received by DOL
Blair Image Elements, Inc., a construction employer in Altoona, Pennsylvania, reported 330 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $35,482 in insurance premiums across 9 contracts and $48,126 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 13, 2026, before the deadline.
Who was paid on Blair Image Elements, 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 Blair Image Elements, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| R&B Insurance Services · Lock Haven, PA | $27,361 | $3,323 | $30,684 | 5 |
| Seubert & Associates Inc. · Pittsburgh, PA | $12,482 | $0 | $12,482 | 2 |
| Aegis General Insurance Agency · Harrisburg, PA | $2,484 | $0 | $2,484 | 1 |
| Sheehan Cullen Leonard · Altoona, PA | $907 | $0 | $907 | 3 |
| Joseph a Reeder · Lock Haven, PA | $575 | $0 | $575 | 3 |
| Brooks Consultants, Inc. · Womelsdorf, PA | $408 | $0 | $408 | 3 |
| Reeder Insurance LLC · Lock Haven, PA | $408 | $0 | $408 | 3 |
| Cormac Financial SVCS Inc. · Duncansville, PA | $178 | $0 | $178 | 3 |
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 |
|---|---|---|---|---|
| Axis Insurance Companycoverage not coded | 64 | $35,482 | $6,032 | 17.0% |
| American United Life Insurance Companylife, short-term disability, long-term disability | 337 | — | $25,467 | — |
| Highmark, Inc.health | 309 | — | — | — |
| Highmark, Inc.prescription drug | 295 | — | — | — |
| Highmark, Inc.vision | 282 | — | $2,225 | — |
| Highmark, Inc.dental | 286 | — | $10,257 | — |
| American Heritage Life Insurance Companycoverage not coded | 59 | — | $2,424 | — |
| American Heritage Life Insurance Companycoverage not coded | 28 | — | $1,097 | — |
| American Heritage Life Insurance Companycoverage not coded | 10 | — | $624 | — |
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 Blair Image Elements, 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 344 | 330 | −4.1% |
| Premiums filed | $33,335 | $35,482 | +6.4% |
| Broker commissions + fees | $62,544 | $48,126 | −23.1% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Blair Image Elements, Inc. Group Insurance Plan#501 · insurance, general assets | December 31, 2025 | April 13, 2026 | before deadline | 330 |
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 Blair Image Elements, Inc. pay in health insurance broker commissions in 2025?
Blair Image Elements, Inc.'s 2025 Form 5500 reports $48,126 in broker commissions and fees across 9 insurance contracts ($44,803 in commissions, $3,323 in fees), with R&B Insurance Services receiving the largest share.
Is Blair Image Elements, Inc.'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 Highmark, Inc..
How does Blair Image Elements, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Blair Image Elements, 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.