Constellation Software USA, Inc.
Updated Filing received by DOL
Constellation Software USA, Inc., a professional & technical services employer, reported 10,842 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 11 insurance contracts with no premium reported and $624,080 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 19, 2025, within the extension window.
Who was paid on Constellation Software USA, 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 Constellation Software USA, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $416,054 | $132,539 | $548,593 | 8 |
| J Manning and Associates · Chicago, IL | $52,841 | $0 | $52,841 | 1 |
| Ltci Partners · San Antonio, TX | $22,646 | $0 | $22,646 | 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 |
|---|---|---|---|---|
| Metropolitan Life Insurance Companylife | 17,107 | — | $411,909 | — |
| Metropolitan Life Insurance Companyhealth | 13 | — | $429 | — |
| Vision Service Planvision | 9,094 | — | — | — |
| Metropolitan Life Insurance Companyhealth | 9 | — | $155 | — |
| Metropolitan Life Insurance Companyhealth | 14 | — | $464 | — |
| Reliastar Life Insurance Companyshort-term disability · amount flagged as implausible, excluded | 8,451 | — | — | — |
| Arag Insurance Companycoverage not coded | 3,442 | — | $45,474 | — |
| Hawaii Medical Service Associationhealth | 76 | — | — | — |
| Trustmark Insurance Companylife | 89 | — | $137,249 | — |
| Lincoln National Life Insurance Companylong-term disability | 11,809 | — | $26,127 | — |
| Lincoln National Life Insurance Companycoverage not coded | 12,157 | — | $2,273 | — |
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 Constellation Software USA, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 9,534 | 10,842 | +13.7% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $398,429 | $624,080 | +56.6% |
| 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 |
|---|---|---|---|---|
| Constellation Software USA Benefit Plans#501 · insurance, general assets | December 31, 2024 | August 19, 2025 | within extension | 10,842 |
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 Constellation Software USA, Inc. pay in health insurance broker commissions in 2024?
Constellation Software USA, Inc.'s 2024 Form 5500 reports $624,080 in broker commissions and fees across 11 insurance contracts ($491,541 in commissions, $132,539 in fees), with Willis Towers Watson receiving the largest share.
Is Constellation Software USA, Inc.'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 Metropolitan Life Insurance Company, Hawaii Medical Service Association.
How does Constellation Software USA, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Constellation Software USA, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
Send the full findings to your inbox.
A specialist writes up every finding for Constellation Software USA, Inc. with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.