Index Packaging, Inc.
Updated Filing received by DOL
Index Packaging, Inc., a manufacturing — food & textile employer in Milton, New Hampshire, reported 181 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 6 insurance contracts with no premium reported and $59,799 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 21, 2026, within the extension window.
Who was paid on Index Packaging, 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 Index Packaging, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cgi Business Solutions · Auburn, NH | $37,262 | $7,644 | $44,906 | 2 |
| Cronin & Gervino Insurance Agency · Auburn, NH | $10,782 | $0 | $10,782 | 2 |
| Combined Services, LLC · Concord, NH | $4,111 | $0 | $4,111 | 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 |
|---|---|---|---|---|
| HPHC Insurance Companyhealth, prescription drug, PPO | 2 | — | $969 | — |
| Ameritas Life Insurance Corporationdental | 189 | — | $2,561 | — |
| Red Tree Insurance Company, Inc.vision | 189 | — | — | — |
| Companion Life Insurance Companylife, short-term disability | 189 | — | $12,332 | — |
| Harvard Pilgrim Health Care of Ne Inc - Mahealth, prescription drug, HMO | 58 | — | $43,937 | — |
| Reliance Standard Life Insurance Companylong-term disability | 189 | — | — | — |
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 Index Packaging, 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 | 158 | 181 | +14.6% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $62,749 | $59,799 | −4.7% |
| 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 |
|---|---|---|---|---|
| Index Packaging, Inc. Welfare Plan#502 · insurance, general assets | December 31, 2025 | September 21, 2026 | within extension | 181 |
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 Index Packaging, Inc. pay in health insurance broker commissions in 2025?
Index Packaging, Inc.'s 2025 Form 5500 reports $59,799 in broker commissions and fees across 6 insurance contracts ($52,155 in commissions, $7,644 in fees), with Cgi Business Solutions receiving the largest share.
Is Index Packaging, 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 HPHC Insurance Company, Harvard Pilgrim Health Care of Ne Inc - Ma.
How does Index Packaging, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Index Packaging, Inc. 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.