CDM Inc.
Updated Filing received by DOL
CDM Inc., a wholesale trade employer in Turnersville, New Jersey, reported 243 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 8 insurance contracts with no premium reported and $82,545 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 29, 2026, before the deadline.
Who was paid on CDM Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract CDM Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Hafetz and Associates, LLC · Linwood, NJ | $46,608 | $9,927 | $56,535 | 3 |
| Precision Benefits Group LLC · Philadelphia, PA | $15,098 | $0 | $15,098 | 4 |
| Emerson Rogers LLC · Elmwood Park, NJ | $0 | $10,860 | $10,860 | 4 |
| Peterson Douglas C · PT Pleasant, NJ | $28 | $0 | $28 | 1 |
| Martinelli Insurance Agy LLC · Sewell, NJ | $21 | $0 | $21 | 1 |
| Pol Alice C · Cherry Hill, NJ | $3 | $0 | $3 | 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 |
|---|---|---|---|---|
| Horizon Healthcare Services, Inc.health | 152 | — | $51,404 | — |
| Horizon Healthcare Services, Inc.prescription drug | 27 | — | $4,286 | — |
| Horizon Insurance Companyvision | 152 | — | $845 | — |
| The Lincoln National Life Insurance Companydental | 251 | — | $17,294 | — |
| The Lincoln National Life Insurance Companylife | 297 | — | $3,908 | — |
| The Lincoln National Life Insurance Companylife | 64 | — | $3,493 | — |
| The Lincoln National Life Insurance Companylong-term disability | 15 | — | $1,263 | — |
| American Heritage Life Insurance Companyhealth | 5 | — | $52 | — |
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 CDM Inc. 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 | 191 | 243 | +27.2% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $68,897 | $82,545 | +19.8% |
| 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 |
|---|---|---|---|---|
| CDM Inc. Health and Welfare Benefits Plan#501 · insurance, general assets | December 31, 2025 | July 29, 2026 | before deadline | 243 |
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 CDM Inc. pay in health insurance broker commissions in 2025?
CDM Inc.'s 2025 Form 5500 reports $82,545 in broker commissions and fees across 8 insurance contracts ($61,758 in commissions, $20,787 in fees), with Hafetz and Associates, LLC receiving the largest share.
Is CDM Inc.'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 Horizon Healthcare Services, Inc., American Heritage Life Insurance Company.
How does CDM Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for CDM Inc. 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.