Home of the Good Shepherd
Updated Filing received by DOL
Home of the Good Shepherd, a healthcare & social assistance employer in Saratoga Springs, New York, reported 374 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 8 insurance contracts with no premium reported and $55,123 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 6, 2026, before the deadline.
Who was paid on Home of the Good Shepherd's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Home of the Good Shepherd filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marshall & Sterling Employee Benefi · Poughkeepsie, NY | $52,858 | $1,126 | $53,984 | 8 |
| Fna Insurance Services Inc · Woodbury, NY | $0 | $1,139 | $1,139 | 4 |
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 |
|---|---|---|---|---|
| Capital District Physician's Health Plan Inchealth, prescription drug | 81 | — | $41,555 | — |
| The Guardian Life Insurance Company of Americadental | 79 | — | $6,283 | — |
| Eyemed Vision Carevision | 76 | — | $826 | — |
| Companion Life Insurance Companycoverage not coded | 11 | — | $2,235 | — |
| Companion Life Insurance Companylife | 52 | — | $467 | — |
| Mutual of Omaha Insurance Companyshort-term disability | 26 | — | $3,100 | — |
| Employee Services LLCcoverage not coded | 407 | — | $501 | — |
| Mutual of Omaha Insurance Companycoverage not coded | 52 | — | $156 | — |
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 Home of the Good Shepherd 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 | 380 | 374 | −1.6% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $46,618 | $55,123 | +18.2% |
| 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 |
|---|---|---|---|---|
| Church Aid of the Protestant Episcopal Church dba Home of the Good Shepherd Welfare Benefit Plan#505 · insurance, general assets | December 31, 2025 | April 6, 2026 | before deadline | 374 |
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 Home of the Good Shepherd pay in health insurance broker commissions in 2025?
Home of the Good Shepherd's 2025 Form 5500 reports $55,123 in broker commissions and fees across 8 insurance contracts ($52,858 in commissions, $2,265 in fees), with Marshall & Sterling Employee Benefi receiving the largest share.
Is Home of the Good Shepherd'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 Capital District Physician's Health Plan Inc.
How does Home of the Good Shepherd's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Home of the Good Shepherd 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.