Community Housing Innovations
Updated Filing received by DOL
Community Housing Innovations, an other services employer in White Plains, New York, reported 572 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 8 insurance contracts with no premium reported and $195,155 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 13, 2026, before the deadline.
Who was paid on Community Housing Innovations'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 Housing Innovations filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| PCF Ins Services of the West LLC · Newark, DE | $3,616 | $67,335 | $70,951 | 2 |
| USI Insurance Services · Virginia Beach, VA | $53,554 | $0 | $53,554 | 3 |
| Donald C Savoy Inc · Berkeley Heights, NJ | $0 | $33,199 | $33,199 | 1 |
| Professional Pensions, Inc · Wallingford, CT | $10,053 | $14,989 | $25,042 | 2 |
| Jaime M Baum · Sound Beach, NY | $4,669 | $366 | $5,035 | 1 |
| NFP · West Lake Hills, TX | $0 | $2,285 | $2,285 | 2 |
| Giovanni Anthony Cassino · Sound Beach, NY | $1,635 | $267 | $1,902 | 1 |
| Micheal Pasqualy Destefano · Holbrook, NY | $1,689 | $149 | $1,838 | 1 |
| Dominic Vincent Cassino · Sound Beach, NY | $661 | $61 | $722 | 1 |
| Julica Ratkiewicz · Port Jefferson Station, NY | $297 | $101 | $398 | 1 |
| Stephen Clancy & Other Agents · Mineola, NY | $168 | $7 | $175 | 1 |
| Sterling & Sterling LLC · Wodbury, NY | $24 | $0 | $24 | 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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companyhealth, prescription drug | 260 | — | $148,080 | — |
| Vision Service Planvision | 194 | — | — | — |
| Aflaccoverage not coded | 47 | — | $13,686 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 1 | — | $3 | — |
| The Paul Revere Life Insurance Companycoverage not coded | — | — | $51 | — |
| Totalcare Eapcoverage not coded | 564 | — | — | — |
| Companion Life Insurance Companylife | 536 | — | $12,989 | — |
| Mutual of Omaha Insurance Companylife, short-term disability, long-term disability | 536 | — | $20,346 | — |
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 Housing Innovations 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 | 500 | 572 | +14.4% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $205,671 | $195,155 | −5.1% |
| 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 Housing Innovations Health and Welfare Benefit Plan#501 · insurance | December 31, 2025 | July 13, 2026 | before deadline | 572 |
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 Housing Innovations pay in health insurance broker commissions in 2025?
Community Housing Innovations's 2025 Form 5500 reports $195,155 in broker commissions and fees across 8 insurance contracts ($76,396 in commissions, $118,759 in fees), with PCF Ins Services of the West LLC receiving the largest share.
Is Community Housing Innovations's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Cigna Health and Life Insurance Company.
How does Community Housing Innovations's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Community Housing Innovations 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.