Independent Health Association, Inc.
Updated Filing received by DOL
Independent Health Association, Inc., a finance & insurance employer in Williamsville, New York, reported 1,646 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $28M in insurance premiums across 6 contracts and $156,783 in broker commissions and fees, 0.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 23, 2026, before the deadline.
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 |
|---|---|---|---|---|
| Independent Health Benefits Corporationhealth, vision, prescription drug | 1,362 | $28M | — | — |
| Sun Life and Health Insurance Companyshort-term disability | 1,484 | — | $21,691 | — |
| Sun Life and Health Insurance Companylife, short-term disability, long-term disability | 1,467 | — | $122,848 | — |
| Sun Life Assurance of Canadashort-term disability | 1 | — | $157 | — |
| Sun Life and Health Insurance Companyshort-term disability | 382 | — | $12,087 | — |
| Sun Life Assurance Company of Canadashort-term disability | 1 | — | — | — |
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 Independent Health Association, 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.
Premium per covered person on medical contracts: $20,261 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 | 1,679 | 1,646 | −2.0% |
| Premiums filed | $26,937,984 | $27,595,268 | +2.4% |
| Broker commissions + fees | $135,472 | $156,783 | +15.7% |
| Commission rate | 0.0% | 0.0% | +0.0 pts |
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 |
|---|---|---|---|---|
| Independent Health Association, Inc Employee Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 23, 2026 | before deadline | 1,646 |
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 Independent Health Association, Inc. pay in health insurance broker commissions in 2025?
Independent Health Association, Inc.'s 2025 Form 5500 reports $156,783 in broker commissions and fees across 6 insurance contracts ($131,706 in commissions, $25,077 in fees).
Is Independent Health Association, 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 Independent Health Benefits Corporation.
How does Independent Health Association, Inc.'s broker compensation compare with similar employers?
Independent Health Association, Inc. paid 0.0% of medical premium in commissions and fees. The median for employers with 1,000-4,999 participants is 2.0%, and the median in New York is 3.7%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.