Elm Terrace Gardens
Updated Filing received by DOL
Elm Terrace Gardens, a healthcare & social assistance employer in Lansdale, Pennsylvania, reported 138 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $35,069 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on December 5, 2025, before the deadline.
Who was paid on Elm Terrace Gardens's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Elm Terrace Gardens filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Emerson Rogers LLC · Elmwood Park, NJ | $12,277 | $1,050 | $13,327 | 2 |
| Univest Insurance, Inc · Lansdale, PA | $7,386 | $54 | $7,440 | 2 |
| Health and Benefits Partners LLC · East Norriton, PA | $5,781 | $0 | $5,781 | 1 |
| Morgan Perri · Morristown, NJ | $4,065 | $370 | $4,435 | 1 |
| Lisa a Perri · Marlton, NJ | $1,112 | $578 | $1,690 | 1 |
| Lauren Ashely Perri · Marlton, NJ | $928 | $221 | $1,149 | 1 |
| Julia George · Philadelphia, PA | $1,123 | $0 | $1,123 | 1 |
| Hekath and Benefits Partners LLC · East Norriton, PA | $114 | $9 | $123 | 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 |
|---|---|---|---|---|
| Aetna Life Insurance Companyhealth, dental, vision, prescription drug, PPO | 105 | — | $16,566 | — |
| Principal Life Insurance Companyvision | 27 | — | $123 | — |
| Colonial Life and Accident Insurance Companylife, short-term disability | 30 | — | $14,179 | — |
| Life Insurance Company of North Americalife, long-term disability | 140 | — | $4,201 | — |
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 Elm Terrace Gardens 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.
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 |
|---|---|---|---|---|
| Elm Terrace Gardens Health & Welfare Benefits Plan#501 · insurance, general assets | July 31, 2025 | December 5, 2025 | before deadline | 138 |
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 Elm Terrace Gardens pay in health insurance broker commissions in 2024?
Elm Terrace Gardens's 2024 Form 5500 reports $35,069 in broker commissions and fees across 4 insurance contracts ($32,787 in commissions, $2,282 in fees), with Emerson Rogers LLC receiving the largest share.
Is Elm Terrace Gardens'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 Aetna Life Insurance Company.
How does Elm Terrace Gardens's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Elm Terrace Gardens 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.