Cold Spring Harbor Laboratory
Updated Filing received by DOL
Cold Spring Harbor Laboratory, a professional & technical services employer in Cold Spring Harbor, New York, reported 987 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 11 insurance contracts with no premium reported and $62,305 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on August 17, 2026, within the extension window.
Who was paid on Cold Spring Harbor Laboratory's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Cold Spring Harbor Laboratory filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $52,635 | $9,670 | $62,305 | 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 |
|---|---|---|---|---|
| Cigna Dental Health of New Jersey, Inc.dental | 3 | — | $269 | — |
| National Union Fire Ins. Co. of Pittsburghcoverage not coded | 976 | — | — | — |
| Cigna Dental Health of Maryland, Inc.dental | 1 | — | $24 | — |
| Metropolitan Property and Casualty Insurance Co.coverage not coded | 154 | — | — | — |
| Hartford Life and Accidentcoverage not coded | 228 | — | $18,132 | — |
| United Behavioral Health dba Optumcoverage not coded | 751 | — | — | — |
| Fidelity Security Life Insurance Company of New Yorkvision | 1,289 | — | — | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, indemnity | 780 | — | $6,854 | — |
| Sun Life and Health Insurance Company (u.S.)life, short-term disability, long-term disability | 809 | — | $25,557 | — |
| Sun Life and Health Insurance Company (u.S.)short-term disability | 914 | — | $11,374 | — |
| Cigna Dental Health of Virginia, Inc.dental | 1 | — | $95 | — |
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 Cold Spring Harbor Laboratory 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 | 950 | 987 | +3.9% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $47,604 | $62,305 | +30.9% |
| 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 |
|---|---|---|---|---|
| Cold Spring Harbor Laboratory Benefit Plan#503 · insurance, general assets | December 31, 2025 | August 17, 2026 | within extension | 987 |
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 Cold Spring Harbor Laboratory pay in health insurance broker commissions in 2025?
Cold Spring Harbor Laboratory's 2025 Form 5500 reports $62,305 in broker commissions and fees across 11 insurance contracts ($52,635 in commissions, $9,670 in fees), with Mercer receiving the largest share.
Is Cold Spring Harbor Laboratory's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Cold Spring Harbor Laboratory's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cold Spring Harbor Laboratory because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.