Brattleboro Retreat
Updated Filing received by DOL
Brattleboro Retreat, a healthcare & social assistance employer in Brattleboro, Vermont, reported 348 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 3 insurance contracts with no premium reported and $226,403 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 15, 2026, before the deadline.
Who was paid on Brattleboro Retreat's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Brattleboro Retreat filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Richards Incorporated · Brattleboro, VT | $172,439 | $10,385 | $182,824 | 3 |
| Combined Services Limited Liability · Concord, NH | $27,290 | $0 | $27,290 | 1 |
| United Benefit Advisors, LLC · Chicago, IL | $0 | $9,834 | $9,834 | 1 |
| Bene Re, LLC · Toledo, OH | $0 | $6,454 | $6,454 | 1 |
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 |
|---|---|---|---|---|
| Vision Service Planvision | 387 | — | $2,252 | — |
| Reliastar Life Insurance Companycoverage not coded | 396 | — | $169,636 | — |
| Reliance Standard Life Insurance Companylife, short-term disability, long-term disability | 468 | — | $54,515 | — |
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 Brattleboro Retreat 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 | 498 | 348 | −30.1% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $63,832 | $226,403 | +254.7% |
| 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 |
|---|---|---|---|---|
| Brattleboro Retreat Health & Welfare Benefit Plan#502 · insurance, general assets | December 31, 2025 | July 15, 2026 | before deadline | 348 |
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 Brattleboro Retreat pay in health insurance broker commissions in 2025?
Brattleboro Retreat's 2025 Form 5500 reports $226,403 in broker commissions and fees across 3 insurance contracts ($199,729 in commissions, $26,674 in fees), with Richards Incorporated receiving the largest share.
Is Brattleboro Retreat's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Brattleboro Retreat's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Brattleboro Retreat 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.