BT Americas Inc.
Updated Filing received by DOL
BT Americas Inc., an information & publishing employer in Dallas, Texas, reported 614 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $100,216 in insurance premiums across 11 contracts and $98,210 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 1, 2025, before the deadline.
Who was paid on BT Americas 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 BT Americas Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alliant Insurance Services · Irvine, CA | $21,401 | $19,557 | $40,958 | 12 |
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 |
|---|---|---|---|---|
| Vision Service Planvision | 508 | $100,216 | — | — |
| United Behavioral Health dba Optumhealth | 1,302 | — | — | — |
| Sun Life Assurance Company of Canadastop-loss | 551 | — | $49,190 | — |
| Provident Life and Casualty Insurance Companyshort-term disability | 1 | — | $476 | — |
| Provident Life and Accident Insurance Companyshort-term disability | 4 | — | $3,413 | — |
| Provident Life and Accident Insurance Companyshort-term disability | 6 | — | $3,813 | — |
| Metropolitan Life Insurance Companydental, life, long-term disability | 1,605 | — | $40,132 | — |
| Metropolitan Life Insurance Companyshort-term disability | 78 | — | $111 | — |
| Metropolitan Life Insurance Companyshort-term disability | 78 | — | $111 | — |
| Metropolitan Life Insurance Companyshort-term disability | 111 | — | $111 | — |
| Provident Life and Casualty Insurance Companyshort-term disability | 1 | — | $853 | — |
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 BT Americas 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 861 | 614 | −28.7% |
| Premiums filed | $114,500 | $100,216 | −12.5% |
| Broker commissions + fees | $121,974 | $98,210 | −19.5% |
| 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 |
|---|---|---|---|---|
| BT Americas Inc. Group Insurance Plan#501 · insurance, general assets | March 31, 2025 | October 1, 2025 | before deadline | 614 |
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 BT Americas Inc. pay in health insurance broker commissions in 2024?
BT Americas Inc.'s 2024 Form 5500 reports $98,210 in broker commissions and fees across 11 insurance contracts ($78,653 in commissions, $19,557 in fees), with Alliant Insurance Services receiving the largest share.
Is BT Americas 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 United Behavioral Health dba Optum.
How does BT Americas Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for BT Americas Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.