Cenero, LLC
Updated Filing received by DOL
Cenero, LLC, a professional & technical services employer in Malvern, Pennsylvania, reported 201 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $17,731 in insurance premiums across 3 contracts and $45,841 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on April 14, 2026, before the deadline.
Who was paid on Cenero, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Cenero, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| World Insurance Associates · Iselin, NJ | $38,885 | $0 | $38,885 | 3 |
| Emerson Rogers, LLC · Blue Bell, PA | $6,956 | $0 | $6,956 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Vision Benefits of Americavision | 183 | $17,731 | $1,773 | 10.0% |
| Unitedhealthcare Insurance Companydental | 107 | — | $27,823 | — |
| The Guardian Life Insurance Company of Americalife, short-term disability, long-term disability | 262 | — | $16,245 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Cenero, LLC 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 192 | 201 | +4.7% |
| Premiums filed | $17,555 | $17,731 | +1.0% |
| Broker commissions + fees | $40,673 | $45,841 | +12.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Cenero LLC Wrap Welfare Benefits Plan#526 · insurance, general assets | November 30, 2025 | April 14, 2026 | before deadline | 201 |
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 Cenero, LLC pay in health insurance broker commissions in 2024?
Cenero, LLC's 2024 Form 5500 reports $45,841 in broker commissions and fees across 3 insurance contracts ($45,841 in commissions, $0 in fees), with World Insurance Associates receiving the largest share.
Is Cenero, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Cenero, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cenero, LLC 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.