DWD &Associates dba Just in Time
Updated Filing received by DOL
DWD &Associates dba Just in Time, a professional & technical services employer in Warrington, Pennsylvania, reported 102 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $517,403 in insurance premiums across 6 contracts and $41,493 in broker commissions and fees, 5.4% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. 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 DWD &Associates dba Just in Time's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract DWD &Associates dba Just in Time filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kistler Tiffany Benefits Gen Agency · Berwyn, PA | $28,126 | $0 | $28,126 | 1 |
| Patriot Growth · Media, PA | $8,976 | $79 | $9,055 | 5 |
| James R Nelligan & Associates · Wall Township, NJ | $0 | $3,408 | $3,408 | 1 |
| Roth Voluntary Benefit Services Inc · Bear, DE | $651 | $137 | $788 | 1 |
| Nicholas Cusmano · Chesapeake City, MD | $58 | $2 | $60 | 1 |
| Darlene Blaasch · Rock Hill, SC | $56 | $0 | $56 | 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 |
|---|---|---|---|---|
| Independence Blue Crosshealth, prescription drug, PPO | 72 | $517,403 | $28,126 | 5.4% |
| Colonial Life & Accident Insurance Companylife | 8 | — | $1,599 | — |
| Delta Dentaldental | 42 | — | $2,678 | — |
| Eyemed Vision Carevision | 62 | — | $728 | — |
| The Lincoln National Life Insurance Companylife, short-term disability, long-term disability | 62 | — | $8,181 | — |
| Metlife Legal Planscoverage not coded | 5 | — | $181 | — |
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 DWD &Associates dba Just in Time 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.
Premium per covered person on medical contracts: $7,186 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 114 | 102 | −10.5% |
| Premiums filed | $585,269 | $517,403 | −11.6% |
| Broker commissions + fees | $49,577 | $41,493 | −16.3% |
| Commission rate | 6.4% | 5.4% | −0.9 pts |
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 |
|---|---|---|---|---|
| DWD & Associates dba Just in Time GCP#501 · final filing · insurance, general assets | December 31, 2025 | July 22, 2026 | before deadline | 102 |
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 DWD &Associates dba Just in Time pay in health insurance broker commissions in 2025?
DWD &Associates dba Just in Time's 2025 Form 5500 reports $41,493 in broker commissions and fees across 6 insurance contracts ($37,867 in commissions, $3,626 in fees), with Kistler Tiffany Benefits Gen Agency receiving the largest share.
Is DWD &Associates dba Just in Time'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 Independence Blue Cross.
How does DWD &Associates dba Just in Time's broker compensation compare with similar employers?
DWD &Associates dba Just in Time paid 5.4% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Pennsylvania is 4.4%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.