Cardiovascular Associates of the Delaware Valley PA - Employee Benefit
Updated Filing received by DOL
Cardiovascular Associates of the Delaware Valley PA - Employee Benefit, a healthcare & social assistance employer in Haddon Heights, New Jersey, reported 206 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows $75,397 in insurance premiums across 8 contracts and $202,317 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 1, 2026, before the deadline.
Who was paid on Cardiovascular Associates of the Delaware Valley PA - Employee Benefit's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Cardiovascular Associates of the Delaware Valley PA - Employee Benefit filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| OneDigital · Atlanta, GA | $19,458 | $64,127 | $83,585 | 2 |
| Aetna Life Insurance Company | $0 | $29,742 | $29,742 | 1 |
| Centro Benefits Research LLC · Kirkwood, MO | $0 | $17,586 | $17,586 | 1 |
| Kistler Tiffany Benefits Gener · Berwyn, PA | $10,524 | $7,045 | $17,569 | 1 |
| James R Nellican & Associates LLC · Albany, NY | $8,109 | $0 | $8,109 | 1 |
| Allied Benefit System, LLC | $0 | $4,494 | $4,494 | 1 |
| Leon L Levy & Associates · Philadelphia, PA | $2,436 | $0 | $2,436 | 2 |
| Emerson Rogers · Blue Bell, PA | $0 | $714 | $714 | 1 |
| Kistler Tiffany Benefits Gen Agency · Berwyn, PA | $83 | $0 | $83 | 1 |
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 |
|---|---|---|---|---|
| Shelterpoint Life Insurance Companyhealth | 93 | $75,397 | $8,109 | 10.8% |
| Unum Life Insurance Company of Americalife, long-term disability | 214 | — | $35,154 | — |
| Unum Life Insurance Company of Americalife | 69 | — | $2,855 | — |
| Guardiandental, vision | 299 | — | $27,218 | — |
| Unum Life Insurance Company of Americacoverage not coded | 3 | — | $83 | — |
| Provident Life and Accident Insurance Companylife | 26 | — | $295 | — |
| Allied Benefit Systems, LLChealth | 117 | — | $128,603 | — |
| HCC Life Insurance Companystop-loss | 147 | — | — | — |
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 Cardiovascular Associates of the Delaware Valley PA - Employee Benefit 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 | 145 | 206 | +42.1% |
| Premiums filed | $0 | $75,397 | not comparable |
| Broker commissions + fees | $273,401 | $202,317 | −26.0% |
| 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 |
|---|---|---|---|---|
| Cardiovascular Associates of the Delaware Valley PA#502 · insurance, general assets | December 31, 2025 | July 1, 2026 | before deadline | 206 |
| Cardiovascular Associates of the Delaware Valley PA#501 · insurance, general assets | December 31, 2025 | July 1, 2026 | before deadline | 100 |
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 Cardiovascular Associates of the Delaware Valley PA - Employee Benefit pay in health insurance broker commissions in 2025?
Cardiovascular Associates of the Delaware Valley PA - Employee Benefit's 2025 Form 5500 reports $202,317 in broker commissions and fees across 8 insurance contracts ($40,610 in commissions, $161,707 in fees), with OneDigital receiving the largest share.
Is Cardiovascular Associates of the Delaware Valley PA - Employee Benefit'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 Shelterpoint Life Insurance Company, Allied Benefit Systems, LLC.
How does Cardiovascular Associates of the Delaware Valley PA - Employee Benefit's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cardiovascular Associates of the Delaware Valley PA - Employee Benefit 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.