Covenant Surgical Partners
Updated Filing received by DOL
Covenant Surgical Partners, a healthcare & social assistance employer in Nashville, Tennessee, reported 1,064 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 5 insurance contracts with no premium reported and $161,277 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 15, 2025, within the extension window.
Who was paid on Covenant Surgical Partners's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Covenant Surgical Partners filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Krista Sigman - Cottingham & Butler · Dubuque, IA | $111,874 | $28,168 | $140,042 | 1 |
| Cottingham & Butler, Inc · Dubuque, IA | $16,144 | $0 | $16,144 | 1 |
| Timothy Alexander · Dubuque, IA | $5,091 | $0 | $5,091 | 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 |
|---|---|---|---|---|
| Bluecross Blueshield of Tennessee, Inc.health, vision | 1,238 | — | $5,091 | — |
| Hawaii Dental Servicedental | 51 | — | — | — |
| Hawaii Medical Service Associationhealth | 58 | — | — | — |
| Metropolitan Life Insurance Companydental, life, short-term disability, long-term disability | — | — | $140,042 | — |
| Sun Life Assurance Company of Canadalife, short-term disability, long-term disability | — | — | $16,144 | — |
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 Covenant Surgical Partners 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 | 1,052 | 1,064 | +1.1% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $173,403 | $161,277 | −7.0% |
| 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 |
|---|---|---|---|---|
| Covenant Surgical Partners Health and Welfare Plan#501 · final filing · insurance, general assets | September 30, 2024 | July 15, 2025 | within extension | 1,064 |
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 Covenant Surgical Partners pay in health insurance broker commissions in 2024?
Covenant Surgical Partners's 2024 Form 5500 reports $161,277 in broker commissions and fees across 5 insurance contracts ($133,109 in commissions, $28,168 in fees), with Krista Sigman - Cottingham & Butler receiving the largest share.
Is Covenant Surgical Partners'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 Bluecross Blueshield of Tennessee, Inc., Hawaii Medical Service Association.
How does Covenant Surgical Partners's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Covenant Surgical Partners 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.