Central Management Concepts, LLC
Updated Filing received by DOL
Central Management Concepts, LLC, a healthcare & social assistance employer in Covington, Louisiana, reported 295 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $2.1M in insurance premiums across 24 contracts and $235,301 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on June 4, 2026, before the deadline.
Who was paid on Central Management Concepts, 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 Central Management Concepts, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Lafayette, LA | $121,807 | $41,615 | $163,422 | 24 |
| Rebecca N Songy · New Orleans, LA | $12,682 | $10,329 | $23,011 | 22 |
| JS Young and Associates · Madisonville, LA | $13,174 | $3,638 | $16,812 | 22 |
| Joey Migues · Broussard, LA | $5,076 | $7,209 | $12,285 | 22 |
| Group Voluntary Benefits LLC · Springfield, LA | $6,211 | $2,494 | $8,705 | 22 |
| R&W Solutions LLC · Springfield, LA | $5,611 | $1,239 | $6,850 | 21 |
| Meritain Health · ST Louis, MO | $0 | $1,149 | $1,149 | 1 |
| Crescent Dental Plan · Covington, LA | $0 | $1,149 | $1,149 | 1 |
| Hayden Mariah Aley · New Orleans, LA | $803 | $0 | $803 | 8 |
| Corey Stephen Wainwright · Metairie, LA | $779 | $0 | $779 | 9 |
| Patrick J Adams · Metairie, LA | $159 | $1 | $160 | 2 |
| Superior Group Benefits LLC · Metairie, LA | $101 | $37 | $138 | 9 |
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 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Louisianahealth, prescription drug | 392 | $2.1M | $90,080 | 4.3% |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 19 | — | $9,270 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 14 | — | $7,874 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 17 | — | $9,628 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 10 | — | $6,456 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 17 | — | $7,385 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 14 | — | $7,059 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 9 | — | $4,460 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 30 | — | $11,858 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 15 | — | $5,920 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 6 | — | $3,797 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 8 | — | $3,577 | — |
| Companion Life Insurance Companyvision | 269 | — | $4,595 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 1 | — | $798 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 11 | — | $5,277 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 17 | — | $6,960 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 17 | — | $7,413 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 9 | — | $2,695 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 21 | — | $7,216 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 23 | — | $4,227 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 17 | — | $5,648 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 27 | — | $8,339 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 17 | — | $7,720 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 13 | — | $7,049 | — |
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 Central Management Concepts, 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.
Premium per covered person on medical contracts: $5,377 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 | 300 | 295 | −1.7% |
| Premiums filed | $1,598,829 | $2,107,877 | not comparable |
| Broker commissions + fees | $386,661 | $235,301 | −39.1% |
| 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 |
|---|---|---|---|---|
| Central Management Concepts, LLC Wrap Benefit Plan#502 · insurance | January 31, 2026 | June 4, 2026 | before deadline | 295 |
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 Central Management Concepts, LLC pay in health insurance broker commissions in 2025?
Central Management Concepts, LLC's 2025 Form 5500 reports $235,301 in broker commissions and fees across 24 insurance contracts ($166,441 in commissions, $68,860 in fees), with Brown & Brown receiving the largest share.
Is Central Management Concepts, LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross and Blue Shield of Louisiana, Colonial Life & Accident Insurance Company.
How does Central Management Concepts, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Central Management Concepts, 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.