Fidelity House CRC, Inc
Updated Filing received by DOL
Fidelity House CRC, Inc, a healthcare & social assistance employer in Lawrence, Massachusetts, reported 343 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 6 insurance contracts with no premium reported and $26,447 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Coverys). The Department of Labor received the filing on July 15, 2026, before the deadline.
Who was paid on Fidelity House CRC, Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Fidelity House CRC, Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Hilb Group of New England · Cranston, RI | $15,130 | $694 | $15,824 | 5 |
| Gis Benefits · Morris, IL | $6,425 | $1,285 | $7,710 | 1 |
| Neesenroll · North Smithfield, RI | $1,548 | $0 | $1,548 | 1 |
| Lori Ann Martinez · Oxford, MA | $561 | $0 | $561 | 1 |
| Enrollment Solutions LTD · Sutton, MA | $502 | $0 | $502 | 1 |
| Carleigh Gordon · Exeter, RI | $125 | $0 | $125 | 1 |
| Mary-Joyce Licata · North Kingstown, RI | $71 | $0 | $71 | 1 |
| Pio Andres Ortiz · Enfield, CT | $67 | $0 | $67 | 1 |
| Gianni Richio · South Hamilton, MA | $16 | $0 | $16 | 1 |
| Christopher Manzi · Ipswitch, MA | $7 | $0 | $7 | 1 |
| Fleury Enterprises Inc · Naples, FL | $5 | $0 | $5 | 1 |
| Garth E Brown · Ipswich, MA | $4 | $0 | $4 | 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 |
|---|---|---|---|---|
| Coverysstop-loss | 142 | — | — | — |
| The Lincoln National Life Insurance Companylife | 411 | — | $1,296 | — |
| Eyemed Vision Carevision | 225 | — | $1,768 | — |
| Metropolitan Life Insurance Companydental | 281 | — | $11,565 | — |
| Colonial Life & Accident Insurance Companylife | 64 | — | $7,376 | — |
| The Lincoln National Life Insurance Companylong-term disability | 411 | — | $4,442 | — |
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 Fidelity House CRC, Inc 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 | 306 | 343 | +12.1% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $31,198 | $26,447 | −15.2% |
| 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 |
|---|---|---|---|---|
| Fidelity House, Inc. Flexible Benefits Plan#501 · insurance, general assets | December 31, 2025 | July 15, 2026 | before deadline | 343 |
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 Fidelity House CRC, Inc pay in health insurance broker commissions in 2025?
Fidelity House CRC, Inc's 2025 Form 5500 reports $26,447 in broker commissions and fees across 6 insurance contracts ($24,468 in commissions, $1,979 in fees), with Hilb Group of New England receiving the largest share.
Is Fidelity House CRC, Inc'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 Coverys).
How does Fidelity House CRC, Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Fidelity House CRC, Inc 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.