HMH Education Company
Updated Filing received by DOL
HMH Education Company, an information & publishing employer in Boston, Massachusetts, reported 2,762 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $118,284 in insurance premiums across 13 contracts and $273,368 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 17, 2026, within the extension window.
Who was paid on HMH Education Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract HMH Education Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Minneapolis, MN | $191,685 | $26,550 | $218,235 | 10 |
| Red Gate Group · Madison, NJ | $0 | $34,908 | $34,908 | 2 |
| BSC Agency, LLC · West Des Moines, IA | $0 | $12,828 | $12,828 | 3 |
| Marsh McLennan Agency · San Juan, PR | $5,914 | $0 | $5,914 | 1 |
| Businessolver.Com Inc. · West Des Moines, IA | $0 | $1,482 | $1,482 | 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 |
|---|---|---|---|---|
| Triple S Salud, Inc.health, dental, prescription drug, PPO | 7 | $118,284 | $5,914 | 5.0% |
| Compsychcoverage not coded | 2,474 | — | — | — |
| Metlife Legal Planscoverage not coded | 310 | — | $10,403 | — |
| Lincoln National Life Insurance Companylife | 2,398 | — | $91,505 | — |
| Lincoln National Life Insurance Companylong-term disability | 2,384 | — | $55,837 | — |
| National Union Fire Insurance Company of Pittsburgh, PAcoverage not coded | 2,387 | — | $4,022 | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, indemnity | 4,281 | — | — | — |
| Cigna Health and Life Insurance Companyhealth, dental, prescription drug | 12 | — | $11,484 | — |
| Delaware American Life Insurance of Americalife, long-term disability | 12 | — | $1,203 | — |
| Hawaii Medical Service Associationhealth, dental, vision, life, prescription drug, PPO | 2 | — | — | — |
| Cigna Health and Life Insurance Companycoverage not coded | 328 | — | $27,505 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 534 | — | $20,312 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 396 | — | $45,183 | — |
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 HMH Education Company 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.
Premium per covered person on medical contracts: $16,898 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 | 2,874 | 2,762 | −3.9% |
| Premiums filed | $136,288 | $118,284 | not comparable |
| Broker commissions + fees | $253,308 | $273,368 | +7.9% |
| 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 |
|---|---|---|---|---|
| Houghton Mifflin Harcourt Publishing Co. Benefit Plan#520 · insurance, general assets | December 31, 2025 | September 17, 2026 | within extension | 2,762 |
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 HMH Education Company pay in health insurance broker commissions in 2025?
HMH Education Company's 2025 Form 5500 reports $273,368 in broker commissions and fees across 13 insurance contracts ($197,599 in commissions, $75,769 in fees), with Mercer receiving the largest share.
Is HMH Education Company'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 Triple S Salud, Inc., Cigna Health and Life Insurance Company, Hawaii Medical Service Association.
How does HMH Education Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for HMH Education Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.