Ethical Culture Fieldston School
Updated Filing received by DOL
Ethical Culture Fieldston School, an education services employer in New York, New York, reported 406 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 6 insurance contracts with no premium reported and $333,732 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 28, 2026, before the deadline.
Who was paid on Ethical Culture Fieldston School's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Ethical Culture Fieldston School filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Corporate Synergies · Camden, NJ | $325,730 | $6,531 | $332,261 | 6 |
| Jill Rappaport · Brooklyn, NY | $765 | $28 | $793 | 1 |
| Patrick Hardie · New York, NY | $222 | $3 | $225 | 1 |
| Janelle Gadomski · Park Ridge, NJ | $201 | $0 | $201 | 1 |
| Img · Indianapolis, IN | $0 | $87 | $87 | 1 |
| Maritza Rolon · Fort Lee, NJ | $66 | $0 | $66 | 1 |
| Austin and Co Inc · Albany, NY | $56 | $0 | $56 | 1 |
| Beaulieu Benefits Inc · Supply, NC | $43 | $0 | $43 | 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 Co.dental | 766 | — | $77,188 | — |
| Aetna Life Insurance Co.health | 843 | — | $15,872 | — |
| Aflachealth | 16 | — | $1,816 | — |
| Prudential Insurance Company of Americalife, long-term disability | 397 | — | $39,183 | — |
| Unitedhealthcare Insurance Companyhealth | 321 | — | $195,723 | — |
| Vision Service Planvision | 368 | — | $3,950 | — |
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 Ethical Culture Fieldston School 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 | 411 | 406 | −1.2% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $261,404 | $333,732 | +27.7% |
| 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 |
|---|---|---|---|---|
| Ethical Culture Fieldston School Health and Welfare Plan#502 · insurance, general assets | June 30, 2025 | January 28, 2026 | before deadline | 406 |
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 Ethical Culture Fieldston School pay in health insurance broker commissions in 2024?
Ethical Culture Fieldston School's 2024 Form 5500 reports $333,732 in broker commissions and fees across 6 insurance contracts ($327,083 in commissions, $6,649 in fees), with Corporate Synergies receiving the largest share.
Is Ethical Culture Fieldston School'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 Co., Aflac, Unitedhealthcare Insurance Company.
How does Ethical Culture Fieldston School's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Ethical Culture Fieldston School 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.