Crosscountry Mortgage LLC
Updated Filing received by DOL
Crosscountry Mortgage LLC, a finance & insurance employer in Cleveland, Ohio, reported 13,180 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 6 insurance contracts with no premium reported and $844,542 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 22, 2026, before the deadline.
Who was paid on Crosscountry Mortgage LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Crosscountry Mortgage LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| James B. Oswald Company · Cleveland, OH | $463,720 | $75,880 | $539,600 | 4 |
| Charles D. Block · Wilmington, NC | $124,859 | $7,743 | $132,602 | 3 |
| James H. Van Epps · Roswell, GA | $124,862 | $7,740 | $132,602 | 3 |
| Centro Benefits Research, LLC · Kirkwood, MO | $0 | $32,178 | $32,178 | 1 |
| Assurex Global Corporation · Dublin, OH | $0 | $7,561 | $7,561 | 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 |
|---|---|---|---|---|
| First Unum Life Insurance Companylife | 82 | — | $5,948 | — |
| Community Insurance Companydental, vision | 12,399 | — | $26,762 | — |
| Hawaii Medical Service Associationhealth | 5 | — | — | — |
| Provident Life and Accident Insurance Companylife | 2,481 | — | $321,086 | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 13,995 | — | $490,746 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 219 | — | — | — |
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 Crosscountry Mortgage LLC 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 | 12,884 | 13,180 | +2.3% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $869,392 | $844,542 | −2.9% |
| 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 |
|---|---|---|---|---|
| Crosscountry Mortgage LLC Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | July 22, 2026 | before deadline | 13,180 |
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 Crosscountry Mortgage LLC pay in health insurance broker commissions in 2025?
Crosscountry Mortgage LLC's 2025 Form 5500 reports $844,542 in broker commissions and fees across 6 insurance contracts ($713,441 in commissions, $131,101 in fees), with James B. Oswald Company receiving the largest share.
Is Crosscountry Mortgage LLC'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 Hawaii Medical Service Association, Kaiser Foundation Health Plan, Inc..
How does Crosscountry Mortgage LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Crosscountry Mortgage LLC 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.
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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.