Community Health Centers of the Central Coast, Inc.
Updated Filing received by DOL
Community Health Centers of the Central Coast, Inc., a healthcare & social assistance employer in Santa Maria, California, reported 696 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 10 insurance contracts with no premium reported and $260,397 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on September 15, 2026, within the extension window.
Who was paid on Community Health Centers of the Central Coast, 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 Community Health Centers of the Central Coast, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| OneDigital · Atlanta, GA | $167,054 | $33,943 | $200,997 | 8 |
| Centro Benefits Research LLC · Kirkwood, MO | $0 | $49,208 | $49,208 | 5 |
| Various- See Attached Document | $10,144 | $48 | $10,192 | 2 |
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 |
|---|---|---|---|---|
| Unum Life Insurance Company of Americalife | 982 | — | $106,299 | — |
| Unum Life Insurance Companycoverage not coded | 148 | — | $18,898 | — |
| Metropolitan Life Insurance Companydental, vision | 1,960 | — | $40 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 98 | — | $8,456 | — |
| Unum Life Insurance Company of Americacoverage not coded | 408 | — | $10,927 | — |
| Continental American Insurance Companycoverage not coded | 27 | — | $1,736 | — |
| Unum Life Insurance Company of Americashort-term disability, long-term disability | 989 | — | $91,752 | — |
| Unum Life Insurance Company of Americashort-term disability | 114 | — | $7,578 | — |
| Fidelity Security Life Insurance Companycoverage not coded | 22 | — | $2,744 | — |
| Unum Life Insurance Companycoverage not coded | 155 | — | $11,967 | — |
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 Community Health Centers of the Central Coast, 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 788 | 696 | −11.7% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $194,766 | $260,397 | +33.7% |
| 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 |
|---|---|---|---|---|
| Community Health Centers of the Central Coast, Inc. Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | September 15, 2026 | within extension | 696 |
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 Community Health Centers of the Central Coast, Inc. pay in health insurance broker commissions in 2025?
Community Health Centers of the Central Coast, Inc.'s 2025 Form 5500 reports $260,397 in broker commissions and fees across 10 insurance contracts ($177,198 in commissions, $83,199 in fees), with OneDigital receiving the largest share.
Is Community Health Centers of the Central Coast, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Community Health Centers of the Central Coast, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Community Health Centers of the Central Coast, Inc. 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.