Family Allergy MSO, LLC
Updated Filing received by DOL
Family Allergy MSO, LLC, a healthcare & social assistance employer in Louisville, Kentucky, reported 656 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $246,987 in insurance premiums across 5 contracts and $243,996 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Nationwide). The Department of Labor received the filing on July 8, 2026, before the deadline.
Who was paid on Family Allergy MSO, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Family Allergy MSO, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Foundation Risk Partners Corp · Walnut Creek, CA | $216,497 | $5,022 | $221,519 | 5 |
| Frp-Xl Benefit Insurance Services · Elk Grove, CA | $22,477 | $0 | $22,477 | 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 |
|---|---|---|---|---|
| Delta Dental of Kentuckydental | 703 | $200,663 | $20,705 | 10.3% |
| Delta Dental of Kentuckyvision | 643 | $46,324 | $4,802 | 10.4% |
| Anthem Health Plans of Kentucky, Inc.coverage not coded | — | — | $124,470 | — |
| The Hartfordlife, short-term disability, long-term disability | 589 | — | $71,542 | — |
| Nationwidestop-loss | 349 | — | $22,477 | — |
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 Family Allergy MSO, LLC 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 538 | 656 | +21.9% |
| Premiums filed | $212,652 | $246,987 | +16.1% |
| Broker commissions + fees | $243,414 | $243,996 | +0.2% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Family Allergy MSO, LLC Employee Benefits Plan#501 · insurance | December 31, 2025 | July 8, 2026 | before deadline | 656 |
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 Family Allergy MSO, LLC pay in health insurance broker commissions in 2025?
Family Allergy MSO, LLC's 2025 Form 5500 reports $243,996 in broker commissions and fees across 5 insurance contracts ($238,974 in commissions, $5,022 in fees), with Foundation Risk Partners Corp receiving the largest share.
Is Family Allergy MSO, LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Nationwide).
How does Family Allergy MSO, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Family Allergy MSO, LLC 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.