Flash Charm, Inc.
Updated Filing received by DOL
Flash Charm, Inc., a professional & technical services employer in Austin, Texas, reported 299 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 6 insurance contracts with no premium reported and $94,662 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 24, 2026, within the extension window.
Who was paid on Flash Charm, 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 Flash Charm, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alliant Insurance Services · Walnut Creek, CA | $46,699 | $40,110 | $86,809 | 4 |
| Integrated Benefits Solutions, Inc. · Houston, TX | $0 | $2,929 | $2,929 | 1 |
| Houston Norman Hamilton · Missouri City, TX | $1,555 | $78 | $1,633 | 1 |
| Marsh McLennan Agency · Greensboro, NC | $1,584 | $0 | $1,584 | 2 |
| Darin Potts · Houston, TX | $435 | $315 | $750 | 1 |
| Bowles Insurance Services, LLC · Tomball, TX | $457 | $153 | $610 | 1 |
| Brown and Noyes, LLC & Others · Houston, TX | $347 | $0 | $347 | 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 |
|---|---|---|---|---|
| Evernorth Care Solutions, Inc.coverage not coded | 650 | — | — | — |
| Unitedhealthcare Insurance Companyhealth, dental, prescription drug, PPO | 401 | — | $67,921 | — |
| Legal Access Plans, LLCcoverage not coded | 24 | — | $2,929 | — |
| Vision Service Planvision | 241 | — | $1,546 | — |
| Colonial Life and Accident Insurance Companyindemnity | 36 | — | $6,621 | — |
| Life Insurance Company of North Americalife, short-term disability, long-term disability | 261 | — | $15,645 | — |
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 Flash Charm, 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 | 317 | 299 | −5.7% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $128,429 | $94,662 | −26.3% |
| 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 |
|---|---|---|---|---|
| Flash Charm, Inc. Health Benefit Program#501 · insurance, general assets | December 31, 2025 | September 24, 2026 | within extension | 299 |
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 Flash Charm, Inc. pay in health insurance broker commissions in 2025?
Flash Charm, Inc.'s 2025 Form 5500 reports $94,662 in broker commissions and fees across 6 insurance contracts ($51,076 in commissions, $43,586 in fees), with Alliant Insurance Services receiving the largest share.
Is Flash Charm, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Unitedhealthcare Insurance Company.
How does Flash Charm, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Flash Charm, 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.