Carleton-Willard Village
Updated Filing received by DOL
Carleton-Willard Village, a healthcare & social assistance employer in Bedford, Massachusetts, reported 209 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 7 insurance contracts with no premium reported and $83,276 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 7, 2026, before the deadline.
Who was paid on Carleton-Willard Village's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Carleton-Willard Village filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Philip Bonaccorso/Marsh USA, Inc | $39,497 | $0 | $39,497 | 1 |
| Marsh McLennan Agency · Boston, MA | $25,940 | $4,219 | $30,159 | 6 |
| Brian William Patten | $4,980 | $0 | $4,980 | 1 |
| Daniel C Harris | $1,953 | $0 | $1,953 | 1 |
| Rhonda a Dresner | $1,288 | $0 | $1,288 | 1 |
| Stacey M Catucci | $784 | $0 | $784 | 1 |
| Matthew Ryan Kirkwood | $708 | $0 | $708 | 1 |
| Tina M Kane | $662 | $0 | $662 | 1 |
| Jeffrey Michael Satterlee | $536 | $0 | $536 | 1 |
| Heather M Bartley | $500 | $0 | $500 | 1 |
| William Charles Hill | $459 | $0 | $459 | 1 |
| Montserrat Ferres | $426 | $0 | $426 | 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 |
|---|---|---|---|---|
| Reliance Standard Life Insurance Companylife | 264 | — | $4,912 | — |
| Reliance Standard Life Insurance Companylife | 63 | — | $3,149 | — |
| Reliance Standard Life Insurance Companylong-term disability | 222 | — | $7,031 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 63 | — | $163 | — |
| Mass General Brigham Health Planhealth, HMO | 231 | — | $39,497 | — |
| Vision Service Planvision | 114 | — | $1,065 | — |
| Continental American Insurance Companycoverage not coded | 109 | — | $27,459 | — |
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 Carleton-Willard Village 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 | 193 | 209 | +8.3% |
| Premiums filed | $2,419,644 | $0 | not comparable |
| Broker commissions + fees | $78,267 | $83,276 | +6.4% |
| Commission rate | 2.1% | — | — |
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 |
|---|---|---|---|---|
| Carleton-Willard Village Welfare Benefits Plan#503 · insurance, general assets | December 31, 2025 | July 7, 2026 | before deadline | 209 |
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 Carleton-Willard Village pay in health insurance broker commissions in 2025?
Carleton-Willard Village's 2025 Form 5500 reports $83,276 in broker commissions and fees across 7 insurance contracts ($79,057 in commissions, $4,219 in fees), with Philip Bonaccorso/Marsh USA, Inc receiving the largest share.
Is Carleton-Willard Village'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 Mass General Brigham Health Plan.
How does Carleton-Willard Village's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Carleton-Willard Village 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.