Health Care Service Corp a Mututal Legal Reserve Corp
Updated Filing received by DOL a plan year 2025 filing was received September 14, 2026 for 2 of this employer's 5 plans; this record moves to 2025 when all have arrived
Health Care Service Corp a Mututal Legal Reserve Corp, a finance & insurance employer in Richardson, Texas, reported 25,160 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $16M in insurance premiums across 15 contracts and $136,194 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 14, 2025, within the extension window.
Who was paid on Health Care Service Corp a Mututal Legal Reserve Corp's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Health Care Service Corp a Mututal Legal Reserve Corp filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Houston, TX | $86,216 | $0 | $86,216 | 1 |
| Patriot Growth | $49,978 | $0 | $49,978 | 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 |
|---|---|---|---|---|
| Dearborn Nationallifelife, long-term disability | 26,408 | $16M | — | — |
| Health Care Service Corporation a Mutual Legal Reserve Cohealth, dental, prescription drug, HMO, PPO | 26,408 | — | — | — |
| Dearborn Nation Lifelife | 3,959 | — | — | — |
| Healthcare Service Corp/Blue Cross Blue Shield of Illinoisdental | 4,173 | — | — | — |
| Healthcare Service Corp/Blue Cross Blue Shield of Illinoishealth, prescription drug, PPO | 614 | — | — | — |
| Medical Mutual of Ohiohealth, prescription drug | 1 | — | — | — |
| Healthcare Service Corp/Blue Cross Blue Shield of New Mexicohealth, prescription drug, HMO | 35 | — | — | — |
| Healthcare Service Corp/Blue Cross Blue Shield of Texashealth, prescription drug, HMO | 22 | — | — | — |
| Healthcare Service Corp/Blue Cross Blue Shield of Illinoishealth, prescription drug, HMO | 55 | — | — | — |
| Healthcare Service Corp/Blue Cross Blue Shield of Oklahomahealth, prescription drug, HMO | 13 | — | — | — |
| Healthcare Service Corp/Blue Cross Blue Shield of Illinoishealth | 2,314 | — | — | — |
| Healthcare Service Corp/Blue Cross Blue Shield of Illinoisprescription drug | 2,314 | — | — | — |
| Health Care Service Corp/Blue Cross Blue Shield of Illinoishealth, prescription drug | 761 | — | — | — |
| Bluecross Blueshield of Texashealth | 187 | — | $86,216 | — |
| Bluecross Blueshield of Texashealth | 118 | — | $49,978 | — |
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 Health Care Service Corp a Mututal Legal Reserve Corp 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 | 23,109 | 25,160 | +8.9% |
| Premiums filed | $14,060,434 | $15,584,206 | not comparable |
| Broker commissions + fees | $80,070 | $136,194 | +70.1% |
| 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 |
|---|---|---|---|---|
| Health Care Service Corporation Employees Welfare Plan#502 · insurance, general assets | December 31, 2024 | October 14, 2025 | within extension | 25,160 |
| Health Care Service Corporation Master Flexible Benefit Plan#522 · general assets | December 31, 2024 | September 5, 2025 | within extension | 25,063 |
| HCSC Post Retirement Benefit Plan#512 · insurance, general assets, trust | December 31, 2024 | October 10, 2025 | within extension | 4,243 |
| Spca of Texas#501 · insurance | December 31, 2024 | July 28, 2025 | before deadline | 162 |
| JJT Holdings, L.P. Employee Health Plan#507 · filed under DFVCP · insurance | November 30, 2025 | July 2, 2026 | 2 days after deadline, no extension indicated | 118 |
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 Health Care Service Corp a Mututal Legal Reserve Corp pay in health insurance broker commissions in 2024?
Health Care Service Corp a Mututal Legal Reserve Corp's 2024 Form 5500 reports $136,194 in broker commissions and fees across 15 insurance contracts ($136,194 in commissions, $0 in fees), with Marsh McLennan Agency receiving the largest share.
Is Health Care Service Corp a Mututal Legal Reserve Corp'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 Health Care Service Corporation a Mutual Legal Reserve Co, Healthcare Service Corp/Blue Cross Blue Shield of Illinois, Medical Mutual of Ohio.
How does Health Care Service Corp a Mututal Legal Reserve Corp's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Health Care Service Corp a Mututal Legal Reserve Corp because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.