Ecoatm
Updated Filing received by DOL
Ecoatm, a wholesale trade employer in San Diego, California, reported 388 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 7 insurance contracts with no premium reported and $95,693 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on September 15, 2025, within the extension window.
Who was paid on Ecoatm's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Ecoatm filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · San Diego, CA | $65,961 | $19,227 | $85,188 | 7 |
| Fmlasource Inc · C, IL | $0 | $9,211 | $9,211 | 1 |
| ADP · Boston, MA | $0 | $1,374 | $1,374 | 1 |
| Gallagher · Bellevue, WA | $0 | $0 | $0 | 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 |
|---|---|---|---|---|
| Eyemed Vision Carevision | 313 | — | $4,002 | — |
| United of Omaha Life Insurance Companylong-term disability | 406 | — | $22,931 | — |
| United of Omaha Life Insurance Companyshort-term disability | 406 | — | $23,523 | — |
| United of Omaha Life Insurance Companylife | 115 | — | $10,242 | — |
| Reliastar Life Insurance Companycoverage not coded | 78 | — | $9,392 | — |
| United of Omaha Life Insurance Companylife | 407 | — | $24,600 | — |
| Mutual of Omaha Insurance Companycoverage not coded | 163 | — | $1,003 | — |
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 Ecoatm 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 | 453 | 388 | −14.3% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $100,885 | $95,693 | −5.1% |
| 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 |
|---|---|---|---|---|
| Ecoatm Welfare Benefits Plan#501 · insurance, general assets | December 31, 2024 | September 15, 2025 | within extension | 388 |
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 Ecoatm pay in health insurance broker commissions in 2024?
Ecoatm's 2024 Form 5500 reports $95,693 in broker commissions and fees across 7 insurance contracts ($65,881 in commissions, $29,812 in fees), with HUB International receiving the largest share.
Is Ecoatm's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Ecoatm's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Ecoatm because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.