Foundation Title, LLC
Updated Filing received by DOL
Foundation Title, LLC, a real estate & rental employer in Woodbury, New Jersey, reported 109 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $53,757 in insurance premiums across 4 contracts and $70,137 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 8, 2026, before the deadline.
Who was paid on Foundation Title, 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 Foundation Title, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kistler Tiffany Benefits · Berwyn, PA | $45,893 | $11,025 | $56,918 | 3 |
| Lyons Insurance Agency, Inc. · Wilmington, DE | $7,023 | $1,308 | $8,331 | 2 |
| OneDigital · Berwyn, PA | $0 | $3,418 | $3,418 | 1 |
| Roth Voluntary Benefit Srvcs., Inc. · Bear, DE | $958 | $152 | $1,110 | 1 |
| O'neill Voluntary Benefit Services · Hockessin, DE | $264 | $0 | $264 | 1 |
| Nicholas Cusmano · Chesapeake CY, MD | $42 | $2 | $44 | 1 |
| Brad Lee Mundy · Wilmington, DE | $38 | $3 | $41 | 1 |
| Tucto & Associates, Corp. · Brooklyn, NY | $7 | $0 | $7 | 1 |
| Brylin Employee Benefits, LLC · Allentown, NJ | $4 | $0 | $4 | 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 |
|---|---|---|---|---|
| Standard Insurance Companylife, long-term disability | 113 | $53,757 | $9,780 | 18.2% |
| Colonial Life and Accident Insurance Companycoverage not coded | 21 | — | $2,485 | — |
| Principal Life Insurance Companydental, vision | 164 | — | $12,455 | — |
| Horizon Healthcare Services, Inc.health, prescription drug | 77 | — | $45,417 | — |
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 Foundation Title, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 121 | 109 | −9.9% |
| Premiums filed | $0 | $53,757 | not comparable |
| Broker commissions + fees | $72,150 | $70,137 | −2.8% |
| 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 |
|---|---|---|---|---|
| Foundation Title, LLC Employee Benefits Health & Welfare Program#504 · insurance, general assets | September 30, 2025 | April 8, 2026 | before deadline | 109 |
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 Title, LLC pay in health insurance broker commissions in 2024?
Foundation Title, LLC's 2024 Form 5500 reports $70,137 in broker commissions and fees across 4 insurance contracts ($54,229 in commissions, $15,908 in fees), with Kistler Tiffany Benefits receiving the largest share.
Is Foundation Title, LLC'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 Horizon Healthcare Services, Inc..
How does Foundation Title, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Foundation Title, LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.