Comhar, Inc.
Updated Filing received by DOL
Comhar, Inc., a healthcare & social assistance employer in Philadelphia, Pennsylvania, reported 383 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.2M in insurance premiums across 6 contracts and $175,065 in broker commissions and fees, 4.3% 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 September 9, 2026, within the extension window.
Who was paid on Comhar, 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 Comhar, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Risk Placement Services Inc · Berkeley Heights, NJ | $106,860 | $0 | $106,860 | 3 |
| Patriot Growth · Philadelphia, PA | $52,975 | $809 | $53,784 | 4 |
| USI Insurance Services · Blue Bell, PA | $11,283 | $272 | $11,555 | 2 |
| Donald C Savoy Inc · Berkeley Heights, NJ | $1,764 | $574 | $2,338 | 1 |
| Exude Benefit Group Inc · Philadelphia, PA | $0 | $528 | $528 | 1 |
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 |
|---|---|---|---|---|
| Keystonehealth, HMO | 180 | $1.3M | $59,920 | 4.6% |
| Independence Blue Crosshealth, PPO | 132 | $1.1M | $45,939 | 4.0% |
| Independence Blue Crossvision, prescription drug | 259 | $709,431 | — | — |
| Hartford Life and Accidentlife, short-term disability, long-term disability | 410 | — | $60,798 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 267 | — | $445 | — |
| Metropolitan Life Insurance Companydental | 399 | — | $7,963 | — |
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 Comhar, 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.
Premium per covered person on medical contracts: $7,883 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 | 403 | 383 | −5.0% |
| Premiums filed | $2,884,984 | $3,168,971 | +9.8% |
| Broker commissions + fees | $152,708 | $175,065 | +14.6% |
| Commission rate | 4.3% | 4.3% | +0.0 pts |
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 |
|---|---|---|---|---|
| The Comhar Employee Benefit Plan#501 · insurance, general assets | December 31, 2025 | September 9, 2026 | within extension | 383 |
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 Comhar, Inc. pay in health insurance broker commissions in 2025?
Comhar, Inc.'s 2025 Form 5500 reports $175,065 in broker commissions and fees across 6 insurance contracts ($172,882 in commissions, $2,183 in fees), with Risk Placement Services Inc receiving the largest share.
Is Comhar, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Keystone, Independence Blue Cross.
How does Comhar, Inc.'s broker compensation compare with similar employers?
Comhar, Inc. paid 4.3% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Pennsylvania is 4.4%. 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.