Housing Trust Group, LLC
Updated Filing received by DOL
Housing Trust Group, LLC, a real estate & rental employer in Miami, Florida, reported 171 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $966,180 in insurance premiums across 16 contracts and $90,317 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 9, 2026, within the extension window.
Who was paid on Housing Trust Group, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Housing Trust Group, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| RSC Insurance Brokerage Inc · Chicago, IL | $41,242 | $7,729 | $48,971 | 23 |
| RSC Insurance Brokerage Inc.-Larocc · Fort Lauderdale, FL | $40,462 | $0 | $40,462 | 2 |
| Integrated Enrollment & Technology · Fort Lauderdale, FL | $0 | $884 | $884 | 3 |
| Larocca & Associates | $0 | $0 | $0 | 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 Blue Shield of Floridahealth, prescription drug | 52 | $525,538 | $24,990 | 4.8% |
| Health Optionshealth, prescription drug, HMO | 72 | $440,642 | $15,472 | 3.5% |
| Humana Insurance Companyvision | 107 | — | $1,252 | — |
| United of Omaha Life Insurance Companylong-term disability | 184 | — | $5,545 | — |
| United of Omaha Life Insurance Companylife | 184 | — | $2,824 | — |
| United of Omaha Life Insurance Companyshort-term disability | 73 | — | $4,230 | — |
| United of Omaha Life Insurance Companylife | 49 | — | $3,378 | — |
| Humana Insurance Companydental, PPO | 89 | — | $5,990 | — |
| Prosperity Lifehealth | 185 | — | $19,208 | — |
| Humana Insurance Companyhealth, prescription drug, HMO | — | — | $936 | — |
| Compbenefits Companydental, HMO | 38 | — | $1,011 | — |
| United of Omaha Life Insurance Companycoverage not coded | 28 | — | $2,339 | — |
| United of Omaha Life Insurance Companycoverage not coded | 46 | — | $1,713 | — |
| United of Omaha Life Insurance Companyindemnity | 37 | — | $1,429 | — |
| Humana Insurance Companydental | 1 | — | — | — |
| Beneflex dba Clarity Benefit Solutionscoverage not coded | 35 | — | — | — |
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 Housing Trust Group, LLC 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: $7,792 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 168 | 171 | +1.8% |
| Premiums filed | $0 | $966,180 | not comparable |
| Broker commissions + fees | $96,287 | $90,317 | −6.2% |
| 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 |
|---|---|---|---|---|
| Housing Trust Group Health & Welfare Benefit Plan#501 · insurance, general assets | September 30, 2025 | July 9, 2026 | within extension | 171 |
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 Housing Trust Group, LLC pay in health insurance broker commissions in 2024?
Housing Trust Group, LLC's 2024 Form 5500 reports $90,317 in broker commissions and fees across 16 insurance contracts ($81,704 in commissions, $8,613 in fees), with RSC Insurance Brokerage Inc receiving the largest share.
Is Housing Trust Group, LLC'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 Blue Cross Blue Shield of Florida, Health Options, Prosperity Life.
How does Housing Trust Group, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Housing Trust Group, LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.