Hiscox Inc.
Updated Filing received by DOL
Hiscox Inc., a finance & insurance employer in White Plains, New York, reported 419 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $679,902 in insurance premiums across 9 contracts and $345,890 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 16, 2026, before the deadline.
Who was paid on Hiscox 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 Hiscox Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Aon · Chicago, IL | $345,736 | $0 | $345,736 | 9 |
| Aliant Ins Services Inc / San Diego · San Diego, CA | $154 | $0 | $154 | 1 |
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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Company and Affiliateshealth, prescription drug, indemnity | 1,010 | $626,931 | $316,343 | 50.5% |
| Vision Service Planvision | 539 | $52,971 | $1,912 | 3.6% |
| Mutual of Omaha Insurance Companyshort-term disability | 527 | — | $7,915 | — |
| Mutual of Omaha Insurance Companylife | 527 | — | $1,325 | — |
| Mutual of Omaha Insurance Companycoverage not coded | 105 | — | $265 | — |
| Companion Life Insurance Companylife | 527 | — | $3,643 | — |
| Companion Life Insurance Companylife | 105 | — | $3,205 | — |
| Delta Dental of New Yorkdental | 1,042 | — | $5,103 | — |
| Mutual of Omaha Insurance Companylong-term disability | 534 | — | $6,179 | — |
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 Hiscox 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 533 | 419 | −21.4% |
| Premiums filed | $487,036 | $679,902 | +39.6% |
| Broker commissions + fees | $402,703 | $345,890 | −14.1% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Hiscox, Inc. Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | June 16, 2026 | before deadline | 419 |
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 Hiscox Inc. pay in health insurance broker commissions in 2025?
Hiscox Inc.'s 2025 Form 5500 reports $345,890 in broker commissions and fees across 9 insurance contracts ($345,890 in commissions, $0 in fees), with Aon receiving the largest share.
Is Hiscox Inc.'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 Cigna Health and Life Insurance Company and Affiliates.
How does Hiscox Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Hiscox 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.
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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.