High Country Community Health Inc.
Updated Filing received by DOL
High Country Community Health Inc., a professional & technical services employer in Boone, North Carolina, reported 211 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $136,230 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on November 18, 2025, within the extension window.
Who was paid on High Country Community Health 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 High Country Community Health Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| NFP | $57,103 | $8,192 | $65,295 | 8 |
| David Bell | $58,752 | $0 | $58,752 | 1 |
| Mosaic Group Services LLC | $0 | $11,187 | $11,187 | 4 |
| Management Compensation Group NFP | $0 | $996 | $996 | 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 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of North Carolinahealth, prescription drug, PPO | 205 | — | $58,752 | — |
| Unum Insurance Companyhealth | 63 | — | $3,422 | — |
| Delta Dental of North Carolinadental | 257 | — | $7,807 | — |
| Unum Insurance Companyhealth | 52 | — | $3,519 | — |
| Unum Life Insurance Companylife, short-term disability, long-term disability | 203 | — | $48,458 | — |
| Unum Life Insurance Companylife | 89 | — | $7,238 | — |
| Delta Dental of North Carolinavision | 239 | — | $1,369 | — |
| Providentshort-term disability | 19 | — | $5,665 | — |
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 High Country Community Health 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 | 180 | 211 | +17.2% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $98,237 | $136,230 | +38.7% |
| 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 |
|---|---|---|---|---|
| High Country Community Health Wrap Benefit Plan#505 · insurance | March 31, 2025 | November 18, 2025 | within extension | 211 |
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 High Country Community Health Inc. pay in health insurance broker commissions in 2024?
High Country Community Health Inc.'s 2024 Form 5500 reports $136,230 in broker commissions and fees across 8 insurance contracts ($115,855 in commissions, $20,375 in fees), with NFP receiving the largest share.
Is High Country Community Health Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross and Blue Shield of North Carolina, Unum Insurance Company.
How does High Country Community Health Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for High Country Community Health Inc. 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.
Send the full findings to your inbox.
A specialist writes up every finding for High Country Community Health Inc. with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.