Foundation for Individual Rights and Expression
Updated Filing received by DOL
Foundation for Individual Rights and Expression, an education services employer in Philadelphia, Pennsylvania, reported 117 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.6M in insurance premiums across 8 contracts and $140,363 in broker commissions and fees, 8.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 20, 2026, before the deadline.
Who was paid on Foundation for Individual Rights and Expression's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Foundation for Individual Rights and Expression filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kistler Tiffany Benefits General · Berwyn, PA | $111,461 | $0 | $111,461 | 2 |
| OneDigital · Atlanta, GA | $13,092 | $6,969 | $20,061 | 6 |
| Insureyourpeople, LLC · San Francisco, CA | $4,681 | $0 | $4,681 | 1 |
| Centro Benefits Research LLC · Kirkwood, MO | $1,170 | $2,990 | $4,160 | 6 |
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 |
|---|---|---|---|---|
| Independence Blue Crosshealth, PPO | 118 | $1.4M | $110,939 | 8.0% |
| Independence Blue Crossprescription drug | 118 | $252,127 | $522 | 0.2% |
| Guardiandental, vision | 122 | — | $16,956 | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 116 | — | $7,049 | — |
| Unum Life Insurance Company of Americalife | 28 | — | $1,637 | — |
| Unum Insurance Companyshort-term disability | 22 | — | $746 | — |
| Unum Insurance Companyshort-term disability | 23 | — | $1,233 | — |
| Unum Insurance Companyindemnity | 20 | — | $1,281 | — |
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 Foundation for Individual Rights and Expression 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.
Premium per covered person on medical contracts: $11,822 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
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 |
|---|---|---|---|---|
| Foundation for Individual Rights and Expression Health and Welfare Benefit Plan#501 · insurance | December 31, 2025 | July 20, 2026 | before deadline | 117 |
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 Foundation for Individual Rights and Expression pay in health insurance broker commissions in 2025?
Foundation for Individual Rights and Expression's 2025 Form 5500 reports $140,363 in broker commissions and fees across 8 insurance contracts ($130,404 in commissions, $9,959 in fees), with Kistler Tiffany Benefits General receiving the largest share.
Is Foundation for Individual Rights and Expression's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Independence Blue Cross.
How does Foundation for Individual Rights and Expression's broker compensation compare with similar employers?
Foundation for Individual Rights and Expression paid 8.0% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Pennsylvania is 4.4%. Percentages are computed only on fully insured medical contracts with filed premiums.
Send the full findings to your inbox.
A specialist writes up every finding for Foundation for Individual Rights and Expression with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.