Brown University
Updated Filing received by DOL
Brown University, an education services employer in Providence, Rhode Island, reported 10,386 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 15 insurance contracts with no premium reported and $314,782 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on October 8, 2025, within the extension window.
Who was paid on Brown 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 Brown University filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Atlanta, GA | $310,071 | $4,709 | $314,780 | 11 |
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 |
|---|---|---|---|---|
| Delta Dental of Rhode Islanddental | 23 | — | — | — |
| Delta Dental of Rhode Islanddental | 45 | — | — | — |
| Delta Dental of Rhode Islanddental | — | — | — | — |
| Delta Dental of Rhode Islanddental | — | — | — | — |
| Delta Dental of Rhode Islanddental | 4,068 | — | — | — |
| Delta Dental of Rhode Islanddental | 4,754 | — | — | — |
| Vision Service Planvision | 3,184 | — | $22,955 | — |
| Sun Life Assurance Company of Canadacoverage not coded | 4,812 | — | — | — |
| Lincoln National Life Insurance Companycoverage not coded | 426 | — | $30,099 | — |
| Ace American Insurance Companycoverage not coded | 5,458 | — | $5,819 | — |
| Lincoln National Life Insurance Companycoverage not coded | 5,346 | — | $148,198 | — |
| Lincoln National Life Insurance Companylong-term disability | 4,607 | — | $83,825 | — |
| Lincoln National Life Insurance Companycoverage not coded | 530 | — | $23,886 | — |
| Delta Dental of Rhode Islanddental | 1 | — | — | — |
| Delta Dental of Rhode Islanddental | 3 | — | — | — |
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 Brown 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 | 4,829 | 10,386 | +115.1% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $250,628 | $314,782 | +25.6% |
| 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 |
|---|---|---|---|---|
| Brown University Health and Welfare Plan#510 · insurance, general assets | December 31, 2024 | October 8, 2025 | within extension | 10,386 |
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 Brown University pay in health insurance broker commissions in 2024?
Brown University's 2024 Form 5500 reports $314,782 in broker commissions and fees across 15 insurance contracts ($310,073 in commissions, $4,709 in fees), with Brown & Brown receiving the largest share.
Is Brown University's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Brown University's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Brown University because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.