Earned Visibility, Inc.
Updated Filing received by DOL
Earned Visibility, Inc., a professional & technical services employer in Syracuse, New York, reported 251 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.0M in insurance premiums across 2 contracts and $96,134 in broker commissions and fees, 2.6% 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 May 27, 2026, before the deadline.
Who was paid on Earned Visibility, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Earned Visibility, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kore Insurance Holdings, LLC · Livingston, NJ | $65,170 | $0 | $65,170 | 1 |
| Fna Insurance Services, Inc. · Berkeley Heights, NJ | $18,625 | $857 | $19,482 | 1 |
| Lifetime Benefit Solutions, Inc. · Cobleskill, NY | $11,482 | $0 | $11,482 | 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 |
|---|---|---|---|---|
| Excellus Bluecross Blueshieldhealth, prescription drug, PPO | 207 | $3.0M | $76,652 | 2.6% |
| The Guardian Life Insurance Company of Americadental, vision, life, long-term disability | 228 | — | $19,482 | — |
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 Earned Visibility, Inc. 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: $14,482 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 | 343 | 251 | −26.8% |
| Premiums filed | $3,261,035 | $2,997,834 | −8.1% |
| Broker commissions + fees | $141,067 | $96,134 | −31.9% |
| Commission rate | 3.1% | 2.6% | −0.6 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 |
|---|---|---|---|---|
| Earned Visibility, Inc. Welfare Benefits Plan#502 · insurance, general assets | December 31, 2025 | May 27, 2026 | before deadline | 251 |
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 Earned Visibility, Inc. pay in health insurance broker commissions in 2025?
Earned Visibility, Inc.'s 2025 Form 5500 reports $96,134 in broker commissions and fees across 2 insurance contracts ($95,277 in commissions, $857 in fees), with Kore Insurance Holdings, LLC receiving the largest share.
Is Earned Visibility, Inc.'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 Excellus Bluecross Blueshield.
How does Earned Visibility, Inc.'s broker compensation compare with similar employers?
Earned Visibility, Inc. paid 2.6% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in New York is 3.7%. 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.