Care New England
Updated Filing received by DOL
Care New England, a healthcare & social assistance employer in Providence, Rhode Island, reported 5,167 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $85M in insurance premiums across 50 contracts and $453,536 in broker commissions and fees, 0.2% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 3, 2026, within the extension window.
Who was paid on Care New England's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Care New England filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Aon · Parsippany, NJ | $193,432 | $1,484 | $194,916 | 10 |
| Pbirx, Inc. · Milford, CT | $76,441 | $0 | $76,441 | 1 |
| NFP · Plainview, NY | $53,065 | $17,182 | $70,247 | 10 |
| Custom Benefit Programs, Inc. · Hammonton, NJ | $68,825 | $0 | $68,825 | 2 |
| Alexander Benefits Consulting LLC · Denver, CO | $36,959 | $6,049 | $43,008 | 4 |
| Ags Benefits Group LLC · New York, NY | $0 | $99 | $99 | 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
The 24 largest of 50 contracts 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 Care New England 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.
Premium per covered person on medical contracts: $9,958 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 | 5,005 | 5,167 | +3.2% |
| Premiums filed | $81,556,252 | $85,432,375 | +4.8% |
| Broker commissions + fees | $395,600 | $453,536 | +14.6% |
| Commission rate | 0.2% | 0.2% | −0.0 pts |
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 |
|---|---|---|---|---|
| Care New England Flexible Benefits Plan#510 · insurance, general assets | December 31, 2025 | September 3, 2026 | within extension | 5,167 |
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 Care New England pay in health insurance broker commissions in 2025?
Care New England's 2025 Form 5500 reports $453,536 in broker commissions and fees across 50 insurance contracts ($428,722 in commissions, $24,814 in fees), with Aon receiving the largest share.
Is Care New England'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 Blue Cross Blue Shield of Rhode Island.
How does Care New England's broker compensation compare with similar employers?
Care New England paid 0.2% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in Rhode Island is 1.0%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.