Columbia Memorial Hospital
Updated Filing received by DOL
Columbia Memorial Hospital, a healthcare & social assistance employer in Hudson, New York, reported 1,014 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 5 insurance contracts with no premium reported and $314,547 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on November 26, 2025, before the deadline.
Who was paid on Columbia Memorial Hospital's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Columbia Memorial Hospital filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · Virginia Beach, VA | $264,247 | $0 | $264,247 | 4 |
| Kibble and Prentice Holding Co · Portland, OR | $19,454 | $11,591 | $31,045 | 2 |
| Christopher McKiernan · Milford, CT | $9,346 | $862 | $10,208 | 1 |
| Filipe Coelho and Other Agents · Tempe, AZ | $2,967 | $0 | $2,967 | 1 |
| Stephen West · Beacon Falls, CT | $2,181 | $187 | $2,368 | 1 |
| Thomas McKiernan · Milford, CT | $2,149 | $0 | $2,149 | 1 |
| Denise Poirier · Ansonia, CT | $811 | $0 | $811 | 1 |
| Flipe Coelho · Tempe, AZ | $736 | $0 | $736 | 1 |
| Marshall & Streling Employee Benefi · Clifton Park, NY | $11 | $0 | $11 | 1 |
| Lorraine Rhodes · Clifton Park, NY | $4 | $0 | $4 | 1 |
| Roseann Reynolds · Branford, CT | $1 | $0 | $1 | 1 |
| Fleury Enterprises Inc · Tiverton, RI | $1 | $0 | $1 | 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 |
|---|---|---|---|---|
| The Paul Revere Life Insurance Companycoverage not coded | 2 | — | $34 | — |
| Aflaccoverage not coded | 117 | — | $26,283 | — |
| MVP Healthcarehealth, prescription drug | 33 | — | $11,411 | — |
| Capital District Physician's Health Plan Inc.health, prescription drug, HMO | 906 | — | $245,774 | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 641 | — | $31,045 | — |
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 Columbia Memorial Hospital 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 | 1,004 | 1,014 | +1.0% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $315,579 | $314,547 | −0.3% |
| 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 |
|---|---|---|---|---|
| Columbia Memorial Hospital Group Health Plan#520 · insurance, general assets | May 31, 2025 | November 26, 2025 | before deadline | 1,014 |
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 Columbia Memorial Hospital pay in health insurance broker commissions in 2024?
Columbia Memorial Hospital's 2024 Form 5500 reports $314,547 in broker commissions and fees across 5 insurance contracts ($301,907 in commissions, $12,640 in fees), with USI Insurance Services receiving the largest share.
Is Columbia Memorial Hospital'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 MVP Healthcare, Capital District Physician's Health Plan Inc..
How does Columbia Memorial Hospital's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Columbia Memorial Hospital 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.