Embrey Development Company
Updated Filing received by DOL
Embrey Development Company, an administrative & support services employer in San Antonio, Texas, reported 526 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 9 insurance contracts with no premium reported and $282,936 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 19, 2026, before the deadline.
Who was paid on Embrey Development 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 Embrey Development Company filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International | $262,808 | $15,364 | $278,172 | 15 |
| Catto & Catto Benefits Group LLP | $0 | $4,764 | $4,764 | 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 |
|---|---|---|---|---|
| Bluecross Blueshield of Texashealth, dental | 792 | — | $221,568 | — |
| Unum Life Insurance Company of Americalife, long-term disability | 508 | — | $24,181 | — |
| Unum Insurance Companycoverage not coded | 128 | — | $4,303 | — |
| Unum Insurance Companycoverage not coded | 92 | — | $5,692 | — |
| Unum Insurance Companycoverage not coded | 41 | — | $2,490 | — |
| Unum Life Insurance Company of Americashort-term disability | 119 | — | $9,060 | — |
| Unum Life Insurance Company of Americacoverage not coded | 197 | — | $7,635 | — |
| Medical Air Services Association Inccoverage not coded | 30 | — | $2,125 | — |
| Dearborn Life Insurance Companyvision | 414 | — | $5,882 | — |
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 Embrey Development 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 | 458 | 526 | +14.8% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $225,278 | $282,936 | +25.6% |
| 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 |
|---|---|---|---|---|
| Embrey Development Company Employee Benefits Plan#501 · insurance, general assets | August 31, 2025 | March 19, 2026 | before deadline | 526 |
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 Embrey Development Company pay in health insurance broker commissions in 2024?
Embrey Development Company's 2024 Form 5500 reports $282,936 in broker commissions and fees across 9 insurance contracts ($262,808 in commissions, $20,128 in fees), with HUB International receiving the largest share.
Is Embrey Development 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 Bluecross Blueshield of Texas.
How does Embrey Development Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Embrey Development 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.