Healthstar Physicians
Updated Filing received by DOL
Healthstar Physicians, a healthcare & social assistance employer in Morristown, Tennessee, reported 447 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $4.2M in insurance premiums across 8 contracts and $250,024 in broker commissions and fees, 3.3% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 8, 2026, before the deadline.
Who was paid on Healthstar Physicians's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Healthstar Physicians filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Andrew Rader · Knoxville, TN | $131,104 | $0 | $131,104 | 1 |
| Alliant Insurance Services · Alpharetta, GA | $102,581 | $16,339 | $118,920 | 8 |
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 |
|---|---|---|---|---|
| Bluecross Blueshield of Tennessee, Inc.health | 598 | $3.9M | $131,104 | 3.3% |
| Delta Dental of Tennesseedental | 780 | $267,460 | $26,596 | 9.9% |
| Reliancestandard Life Insurance Companycoverage not coded | 358 | — | $26,792 | — |
| Reliancestandard Life Insurance Companylife | 436 | — | $24,346 | — |
| Sun Life Assurance Company of Canadaindemnity | 108 | — | $17,104 | — |
| Reliancestandard Life Insurance Companylong-term disability | 436 | — | $17,721 | — |
| Reliancestandard Life Insurance Companycoverage not coded | 272 | — | $1,357 | — |
| Metropolitan Life Insurance Companyvision | 981 | — | $5,004 | — |
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 Healthstar Physicians 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: $6,596 a year (national median $7,274).
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 | 466 | 447 | −4.1% |
| Premiums filed | $4,346,519 | $4,212,097 | −3.1% |
| Broker commissions + fees | $221,770 | $250,024 | +12.7% |
| Commission rate | 3.1% | 3.3% | +0.2 pts |
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 |
|---|---|---|---|---|
| Welfare Benefits Plan#502 · insurance, general assets | December 31, 2025 | July 8, 2026 | before deadline | 447 |
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 Healthstar Physicians pay in health insurance broker commissions in 2025?
Healthstar Physicians's 2025 Form 5500 reports $250,024 in broker commissions and fees across 8 insurance contracts ($233,685 in commissions, $16,339 in fees), with Andrew Rader receiving the largest share.
Is Healthstar Physicians'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 Bluecross Blueshield of Tennessee, Inc..
How does Healthstar Physicians's broker compensation compare with similar employers?
Healthstar Physicians paid 3.3% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Tennessee is 3.9%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.