Children's Health System, Inc.
Updated Filing received by DOL
Children's Health System, Inc., a healthcare & social assistance employer in Norfolk, Virginia, reported 3,279 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 9 insurance contracts with no premium reported and $368,016 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 8, 2025, within the extension window.
Who was paid on Children's Health System, 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 Children's Health System, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Child Health Corp of America · Lenexa, KS | $155,610 | $55,023 | $210,633 | 3 |
| Marsh McLennan Agency · King of Prussia, PA | $0 | $89,252 | $89,252 | 2 |
| Charles a Brown · North Chesterfield, VA | $23,787 | $998 | $24,785 | 3 |
| David W Harless · Glen Allen, VA | $12,768 | $0 | $12,768 | 2 |
| Misc. Agents Paid Less Than 1000 · Norfolk, VA | $8,931 | $0 | $8,931 | 1 |
| Joshua C Burton · Glen Allen, VA | $6,544 | $226 | $6,770 | 2 |
| Christopher D Lacks · Amelia Court House, VA | $5,324 | $0 | $5,324 | 2 |
| Jack L Durham · Midlothian, VA | $2,440 | $0 | $2,440 | 2 |
| Duane a Adams · Louisa, VA | $2,009 | $0 | $2,009 | 2 |
| Timothy Cavazos · Richmond, VA | $1,830 | $0 | $1,830 | 1 |
| David N Morgan · Lynchburg, VA | $1,458 | $0 | $1,458 | 1 |
| Marvin S Thompson · Midlothian, VA | $1,113 | $0 | $1,113 | 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 |
|---|---|---|---|---|
| Legal Resources, Inc.coverage not coded | 783 | — | — | — |
| Aflacshort-term disability | 560 | — | $65,942 | — |
| Aflacshort-term disability | 18 | — | $2,189 | — |
| Hartford Life and Accidentlife, long-term disability | 3,820 | — | $276,952 | — |
| Hartford Life and Accidentcoverage not coded | 5,691 | — | $11,706 | — |
| Vision Service Planvision | 2,130 | — | $11,227 | — |
| Optima Healthhealth, HMO | 2,833 | — | — | — |
| Optima Healthhealth, PPO | 170 | — | — | — |
| Optima Healthhealth, HMO | 2,092 | — | — | — |
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 Children's Health System, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 3,481 | 3,279 | −5.8% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $345,148 | $368,016 | +6.6% |
| 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 |
|---|---|---|---|---|
| Employee Health and Welfare Benefits Plan#501 · insurance, general assets | December 31, 2024 | October 8, 2025 | within extension | 3,279 |
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 Children's Health System, Inc. pay in health insurance broker commissions in 2024?
Children's Health System, Inc.'s 2024 Form 5500 reports $368,016 in broker commissions and fees across 9 insurance contracts ($222,517 in commissions, $145,499 in fees), with Child Health Corp of America receiving the largest share.
Is Children's Health System, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Optima Health.
How does Children's Health System, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Children's Health System, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.