Ciel Senior Living
Updated Filing received by DOL
Ciel Senior Living, a healthcare & social assistance employer in Winter Park, Florida, reported 599 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $2.9M in insurance premiums across 4 contracts and $161,927 in broker commissions and fees, 0.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 19, 2026, before the deadline.
Who was paid on Ciel Senior Living's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Ciel Senior Living filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Baggett Financial Services LLC · Daytona Beach, FL | $42,126 | $0 | $42,126 | 1 |
| Burch Baggett · Daytona Beach, FL | $29,929 | $0 | $29,929 | 1 |
| Jamie a Contreras-Vestal · Deland, FL | $22,548 | $5,853 | $28,401 | 1 |
| Burch Marshall Baggett · Daytona Beach, FL | $16,836 | $0 | $16,836 | 1 |
| Morgan White Limited · Jackson, MS | $14,951 | $0 | $14,951 | 1 |
| Ginakes & Associates LLC · Daytona Beach, FL | $5,518 | $3,057 | $8,575 | 1 |
| Elohim Brokerage · Schaumburg, IL | $3,687 | $432 | $4,119 | 1 |
| Yesenia a Hernandez · Chicago, IL | $2,875 | $748 | $3,623 | 1 |
| Raquel Losada Monroy · Camas, WA | $2,529 | $586 | $3,115 | 1 |
| Holli M Guier · Vancouver, WA | $1,735 | $264 | $1,999 | 1 |
| Edward Thomas Carpenter · Lake Placid, FL | $940 | $45 | $985 | 1 |
| Tucto & Associates Corp · Brooklyn, NY | $634 | $282 | $916 | 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 |
|---|---|---|---|---|
| Arkansas Blue Cross and Blue Shieldhealth, prescription drug, PPO | 442 | $2.9M | — | — |
| Amfirstcoverage not coded | 277 | — | $44,880 | — |
| Guardian Life Insurance Companydental, vision, life, long-term disability | 715 | — | $42,126 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 329 | — | $74,921 | — |
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 Ciel Senior Living 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.
Premium per covered person on medical contracts: $6,524 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 394 | 599 | +52.0% |
| Premiums filed | $2,005,637 | $2,883,421 | +43.8% |
| Broker commissions + fees | $117,802 | $161,927 | +37.5% |
| Commission rate | 0.0% | 0.0% | +0.0 pts |
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 |
|---|---|---|---|---|
| Ciel Senior Living Health and Welfare Benefit Plan#501 · insurance, general assets | July 31, 2025 | January 19, 2026 | before deadline | 599 |
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 Ciel Senior Living pay in health insurance broker commissions in 2024?
Ciel Senior Living's 2024 Form 5500 reports $161,927 in broker commissions and fees across 4 insurance contracts ($149,149 in commissions, $12,778 in fees), with Baggett Financial Services LLC receiving the largest share.
Is Ciel Senior Living'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 Arkansas Blue Cross and Blue Shield.
How does Ciel Senior Living's broker compensation compare with similar employers?
Ciel Senior Living paid 0.0% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Florida is 4.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.