Donegal Mutual Insurance Company
Updated Filing received by DOL
Donegal Mutual Insurance Company, a finance & insurance employer in Marietta, Pennsylvania, reported 677 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $102,743 in insurance premiums across 10 contracts and $44,419 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 14, 2025, before the deadline.
Who was paid on Donegal Mutual Insurance Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Donegal Mutual Insurance Company filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Murray Ins Assoc Inc · Lancaster, PA | $12,273 | $3,155 | $15,428 | 1 |
| Gis Benefits Inc · Morris, IL | $0 | $15,252 | $15,252 | 5 |
| Murray Insurance Assoc Inc · Lancaster, PA | $257 | $9 | $266 | 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 |
|---|---|---|---|---|
| Standard Insurance Companyvision | 624 | $102,743 | — | — |
| Federal Insurance Companycoverage not coded | 830 | — | $266 | — |
| Delta Dental of Pennsylvaniadental | 686 | — | — | — |
| The Guardian Life Insurance Company of Americalife, short-term disability, long-term disability | 878 | — | $15,428 | — |
| Highmark Inc.health, prescription drug | 670 | — | — | — |
| The Lincoln National Life Insurance Companycoverage not coded | 223 | — | $5,245 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 173 | — | $8,184 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 71 | — | $3,412 | — |
| Lincoln National Life Insurance Companylife | 869 | — | $8,372 | — |
| Lincoln National Life Insurance Companylong-term disability | 828 | — | $3,512 | — |
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 Donegal Mutual Insurance Company 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 | 678 | 677 | −0.1% |
| Premiums filed | $106,535 | $102,743 | −3.6% |
| Broker commissions + fees | $34,974 | $44,419 | +27.0% |
| 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 |
|---|---|---|---|---|
| Donegal Mutual Insurance Company Welfare Plan#501 · insurance, general assets | December 31, 2024 | July 14, 2025 | before deadline | 677 |
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 Donegal Mutual Insurance Company pay in health insurance broker commissions in 2024?
Donegal Mutual Insurance Company's 2024 Form 5500 reports $44,419 in broker commissions and fees across 10 insurance contracts ($26,003 in commissions, $18,416 in fees), with Murray Ins Assoc Inc receiving the largest share.
Is Donegal Mutual Insurance Company'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 Highmark Inc..
How does Donegal Mutual Insurance Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Donegal Mutual Insurance Company 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.