Calcon Mutual Mortgage LLC
Updated Filing received by DOL
Calcon Mutual Mortgage LLC, a finance & insurance employer in San Diego, California, reported 245 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 9 insurance contracts with no premium reported and $86,164 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 21, 2026, within the extension window.
Who was paid on Calcon Mutual Mortgage LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Calcon Mutual Mortgage LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Click2bind Insurance Services Inc · Blue Bell, PA | $68,212 | $0 | $68,212 | 7 |
| Emerson Rogers · Blue Bell, PA | $9,793 | $1,618 | $11,411 | 5 |
| Amir Lozani · San Diego, CA | $6,228 | $0 | $6,228 | 1 |
| Rogers Benefit GRP Inc · Bloomington, PA | $312 | $13 | $325 | 5 |
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 |
|---|---|---|---|---|
| MCS Life Insurance Companyhealth, dental, life, prescription drug, PPO | 30 | — | $6,228 | — |
| Metropolitan Life Insurance Companyhealth | 243 | — | $8,491 | — |
| Safeguard Health Plans, Inc., a California Corporationdental, HMO | 15 | — | $257 | — |
| Metropolitan Life Insurance Companydental, vision, life | 565 | — | $38,113 | — |
| Kaiser Foundation Health Plan Inchealth | 9 | — | $5,949 | — |
| Unum Life Insurance Company of Americashort-term disability, long-term disability | 116 | — | $14,774 | — |
| Benefitmall-Symetrastop-loss | 216 | — | — | — |
| Metropolitan Life Insurance Companyhealth | 210 | — | $5,686 | — |
| Metropolitan Life Insurance Companyhealth | 189 | — | $6,666 | — |
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 Calcon Mutual Mortgage LLC 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 | 379 | 245 | −35.4% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $105,275 | $86,164 | −18.2% |
| 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 |
|---|---|---|---|---|
| Calcon Mutual Mortage LLC dba Onetrust Home Loans Wrap Plan#503 · insurance, general assets | December 31, 2025 | September 21, 2026 | within extension | 245 |
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 Calcon Mutual Mortgage LLC pay in health insurance broker commissions in 2025?
Calcon Mutual Mortgage LLC's 2025 Form 5500 reports $86,164 in broker commissions and fees across 9 insurance contracts ($84,538 in commissions, $1,626 in fees), with Click2bind Insurance Services Inc receiving the largest share.
Is Calcon Mutual Mortgage LLC'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 MCS Life Insurance Company, Metropolitan Life Insurance Company, Kaiser Foundation Health Plan Inc.
How does Calcon Mutual Mortgage LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Calcon Mutual Mortgage LLC 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.