Greenstar Cooperative Market, Inc
Updated Filing received by DOL
Greenstar Cooperative Market, Inc, a retail — stores, food, auto, clothing employer in Ithaca, New York, reported 105 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $33,003 in insurance premiums across 6 contracts and $34,787 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 1, 2026, before the deadline.
Who was paid on Greenstar Cooperative Market, 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 Greenstar Cooperative Market, Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Robert G Relph Agency, Inc. · Rochester, NY | $33,851 | $23 | $33,874 | 5 |
| Alera Group, Inc. · Deerfield, IL | $0 | $461 | $461 | 3 |
| Robet G Relph Agency Inc · Rochester, NY | $448 | $0 | $448 | 1 |
| Alliance Advisory Group · Pittsford, NY | $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 |
|---|---|---|---|---|
| Excellus Bluecross Blueshielddental | 67 | $33,003 | $3,338 | 10.1% |
| Lincoln Life & Annuity Company of New Yorklife | 117 | — | $760 | — |
| Excellus Bluecross Blueshieldhealth, prescription drug | 66 | — | $28,615 | — |
| Provident Life and Casualty Insurance Companycoverage not coded | 14 | — | $154 | — |
| The Guardian Life Insurance Company of Americavision | 55 | — | $644 | — |
| Lincoln Life & Annuity Company of New Yorklife | 23 | — | $1,276 | — |
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 Greenstar Cooperative Market, 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 | 109 | 105 | −3.7% |
| Premiums filed | $30,363 | $33,003 | not comparable |
| Broker commissions + fees | $27,246 | $34,787 | +27.7% |
| 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 |
|---|---|---|---|---|
| Greenstar Cooperative Market, Inc Welfare Benefits Plan#505 · insurance, general assets | December 31, 2025 | July 1, 2026 | before deadline | 105 |
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 Greenstar Cooperative Market, Inc pay in health insurance broker commissions in 2025?
Greenstar Cooperative Market, Inc's 2025 Form 5500 reports $34,787 in broker commissions and fees across 6 insurance contracts ($34,303 in commissions, $484 in fees), with Robert G Relph Agency, Inc. receiving the largest share.
Is Greenstar Cooperative Market, 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 Excellus Bluecross Blueshield.
How does Greenstar Cooperative Market, Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Greenstar Cooperative Market, Inc 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.