California Institute of Technology
Updated Filing received by DOL
California Institute of Technology, an education services employer in Pasadena, California, reported 9,390 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows $18M in insurance premiums across 24 contracts and $778,618 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 24, 2026, within the extension window.
Who was paid on California Institute of Technology's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract California Institute of Technology filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Chicago, IL | $625,060 | $153,558 | $778,618 | 8 |
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.
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 California Institute of Technology 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.
Premium per covered person on medical contracts: $9,972 a year (national median $7,274).
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 | 10,207 | 9,390 | −8.0% |
| Premiums filed | $19,552,108 | $17,740,056 | not comparable |
| Broker commissions + fees | $806,239 | $778,618 | −3.4% |
| 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 |
|---|---|---|---|---|
| Consolidated Welfare Plan of the California Institute of Technology#601 · insurance, general assets | December 31, 2025 | September 24, 2026 | within extension | 9,390 |
| Caltech Retiree Health and Life Benefits Program#602 · insurance, general assets | December 31, 2025 | September 8, 2026 | within extension | 1,049 |
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 California Institute of Technology pay in health insurance broker commissions in 2025?
California Institute of Technology's 2025 Form 5500 reports $778,618 in broker commissions and fees across 24 insurance contracts ($625,060 in commissions, $153,558 in fees), with Gallagher receiving the largest share.
Is California Institute of Technology'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 Anthem Blue Cross, Kaiser Foundation Health Plan of Washington, Kaiser Foundation Health Plan, Inc..
How does California Institute of Technology's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for California Institute of Technology 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.