Carabetta Management Co & Affiliates
Updated Filing received by DOL
Carabetta Management Co & Affiliates, a real estate & rental employer in Meriden, Connecticut, reported 148 participants in its health and welfare plan for plan year 2025. Its Form 5500 lists 1 insurance contract on Schedule A but reports no premium and no broker compensation on them. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Standard Life & Accident Insurance Company). The Department of Labor received the filing on July 24, 2026, before the deadline.
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 |
|---|---|---|---|---|
| Standard Life & Accident Insurance Companystop-loss | 132 | — | — | — |
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 Carabetta Management Co & Affiliates 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 | 141 | 148 | +5.0% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $0 | $0 | — |
| 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 |
|---|---|---|---|---|
| Carabetta Management Company Medical Benefits Plan#502 · insurance, general assets | December 31, 2025 | July 24, 2026 | before deadline | 148 |
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 Carabetta Management Co & Affiliates pay in health insurance broker commissions in 2025?
Carabetta Management Co & Affiliates's 2025 Form 5500 reports no broker commissions or fees on Schedule A. Self-funded plans often pay consultants directly, which the public filing does not always capture.
Is Carabetta Management Co & Affiliates's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Standard Life & Accident Insurance Company).
How does Carabetta Management Co & Affiliates's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Carabetta Management Co & Affiliates because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.