Cumberland Healthcare
Updated Filing received by DOL a plan year 2025 filing was received May 12, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Cumberland Healthcare, a healthcare & social assistance employer in Cumberland, Wisconsin, reported 175 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $2.7M in insurance premiums across 5 contracts and $114,454 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on April 22, 2025, before the deadline.
Who was paid on Cumberland Healthcare's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Cumberland Healthcare filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Noah Insurance Group Inc. · Amery, WI | $46,449 | $2,675 | $49,124 | 8 |
| Jennon Caruth · Eden Prairie, MN | $7,282 | $18,904 | $26,186 | 4 |
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 |
|---|---|---|---|---|
| Security Health Plan of Wisconsin, Inc.health, prescription drug, HMO | 274 | $2.7M | $39,144 | 1.5% |
| Metropolitan Life Insurance Companydental, vision, life, short-term disability, long-term disability | 363 | — | $63,328 | — |
| Metropolitan Life Insurance Companyhealth | 30 | — | $2,869 | — |
| Metropolitan Life Insurance Companyhealth | 98 | — | $3,767 | — |
| Metropolitan Life Insurance Companyhealth | 61 | — | $5,346 | — |
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 Cumberland Healthcare 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.
Premium per covered person on medical contracts: $9,807 a year (national median $7,274).
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 | 114 | 175 | +53.5% |
| Premiums filed | $0 | $2,686,991 | not comparable |
| Broker commissions + fees | $66,553 | $114,454 | +72.0% |
| 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 |
|---|---|---|---|---|
| Cumberland Memorial Hospital, Inc. Life Insurance Plan#507 · insurance | December 31, 2024 | April 22, 2025 | before deadline | 175 |
| Cumberland Memorial Hospital, Inc. Health and Dental Plan#502 · insurance | December 31, 2024 | April 14, 2025 | before deadline | 115 |
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 Cumberland Healthcare pay in health insurance broker commissions in 2024?
Cumberland Healthcare's 2024 Form 5500 reports $114,454 in broker commissions and fees across 5 insurance contracts ($92,875 in commissions, $21,579 in fees), with Noah Insurance Group Inc. receiving the largest share.
Is Cumberland Healthcare's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Security Health Plan of Wisconsin, Inc., Metropolitan Life Insurance Company.
How does Cumberland Healthcare's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cumberland Healthcare because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.