Harbour Benefit Holdings, Inc
Updated Filing received by DOL
Harbour Benefit Holdings, Inc, a finance & insurance employer in Tampa, Florida, reported 1,576 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $82,998 in insurance premiums across 14 contracts and $174,159 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 2, 2025, within the extension window.
Who was paid on Harbour Benefit Holdings, 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 Harbour Benefit Holdings, Inc filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alliant Insurance Services · Pasadena, CA | $136,650 | $3,072 | $139,722 | 17 |
| Florida Blue · Jacksonville, FL | $2,119 | $0 | $2,119 | 1 |
| Driver Alliant Insurance Services · Walnut Creek, CA | $0 | $109 | $109 | 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 |
|---|---|---|---|---|
| Vision Service Planvision | 599 | $82,998 | $8,306 | 10.0% |
| Life Insurance Company of North Americalife | 3,418 | — | $44,132 | — |
| Life Insurance Company of North Americalong-term disability | 1,794 | — | $28,287 | — |
| Life Insurance Company of North Americacoverage not coded | 2,289 | — | $5,925 | — |
| Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.health | 15 | — | $5,076 | — |
| Florida Combined Lifedental, PPO | 596 | — | $6,307 | — |
| New York Life Group Insurance Company of New Yorkshort-term disability | 38 | — | $48 | — |
| Life Insurance Company of North Americashort-term disability | 1,152 | — | — | — |
| Metropolitan Life Insurance Companyhealth | 288 | — | $16,675 | — |
| Metropolitan General Insurance Companycoverage not coded | 100 | — | $3,111 | — |
| Life Insurance Company of North Americashort-term disability | 12 | — | $70 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 245 | — | $4,166 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 196 | — | $9,111 | — |
| Berkley Life and Health Insurance Co.stop-loss | 487 | — | $42,945 | — |
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 Harbour Benefit Holdings, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 1,575 | 1,576 | +0.1% |
| Premiums filed | $6,429,861 | $82,998 | not comparable |
| Broker commissions + fees | $194,638 | $174,159 | −10.5% |
| 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 |
|---|---|---|---|---|
| Harbour Benefit Holdings Welfare Benefits Plan#501 · insurance, general assets | December 31, 2024 | October 2, 2025 | within extension | 1,576 |
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 Harbour Benefit Holdings, Inc pay in health insurance broker commissions in 2024?
Harbour Benefit Holdings, Inc's 2024 Form 5500 reports $174,159 in broker commissions and fees across 14 insurance contracts ($138,769 in commissions, $35,390 in fees), with Alliant Insurance Services receiving the largest share.
Is Harbour Benefit Holdings, Inc'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 Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., Metropolitan Life Insurance Company.
How does Harbour Benefit Holdings, Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Harbour Benefit Holdings, Inc because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.