Heifer Project International
Updated Filing received by DOL
Heifer Project International, a healthcare & social assistance employer in Little Rock, Arkansas, reported 228 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $187,535 in insurance premiums across 11 contracts and $14,512 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 30, 2025, before the deadline.
Who was paid on Heifer Project International's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Heifer Project International filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| James R. Nelligan & Associates LLC · Wall, NJ | $0 | $7,807 | $7,807 | 4 |
| Stephens Insurance LLC · Little Roack, AR | $0 | $2,016 | $2,016 | 3 |
| Allegiant Global Partners · Boston, MA | $921 | $0 | $921 | 1 |
| Barry Roe · Conway, AR | $872 | $0 | $872 | 1 |
| Legal Benefits Stolz LLC · Scottsdale, AZ | $37 | $0 | $37 | 1 |
| Employee Navigator, LLC · Bethesda, MD | $31 | $0 | $31 | 1 |
| Larry King · Walnut Ridge, AR | $29 | $0 | $29 | 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 |
|---|---|---|---|---|
| Delta Dental Plan of Arkansasdental | 441 | $187,535 | $3,720 | 2.0% |
| Cigna Health and Life Insurance Companyhealth, prescription drug, PPO | 312 | — | — | — |
| Reliance Standard Life Insurance Companyshort-term disability | 229 | — | $1,380 | — |
| Reliance Standard Life Insurance Companylife | 229 | — | $4,924 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 192 | — | $135 | — |
| Reliance Standard Life Insurance Companylong-term disability | 229 | — | $1,368 | — |
| Vision Service Planvision | 167 | — | $31 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 34 | — | $668 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 34 | — | $796 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 32 | — | $552 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 44 | — | $938 | — |
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 Heifer Project International 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 | 247 | 228 | −7.7% |
| Premiums filed | $222,144 | $187,535 | −15.6% |
| Broker commissions + fees | $8,997 | $14,512 | +61.3% |
| 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 |
|---|---|---|---|---|
| Heifer Project International Benefit Plan#509 · insurance, general assets | December 31, 2024 | July 30, 2025 | before deadline | 228 |
| Heifer Project International Cafeteria Plan#501 · general assets | December 31, 2024 | July 30, 2025 | before deadline | 228 |
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 Heifer Project International pay in health insurance broker commissions in 2024?
Heifer Project International's 2024 Form 5500 reports $14,512 in broker commissions and fees across 11 insurance contracts ($4,689 in commissions, $9,823 in fees), with James R. Nelligan & Associates LLC receiving the largest share.
Is Heifer Project International'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 Cigna Health and Life Insurance Company.
How does Heifer Project International's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Heifer Project International because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.