Inhome Therapy, Inc.
Updated Filing received by DOL
Inhome Therapy, Inc., a healthcare & social assistance employer in King of Prussia, Pennsylvania, reported 189 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.5M in insurance premiums across 6 contracts and $106,062 in broker commissions and fees, 5.8% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 13, 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 |
|---|---|---|---|---|
| Independence Blue Crosshealth, prescription drug | 79 | $1.5M | $86,962 | 5.8% |
| Delta Dental of Pennsylvaniadental | 81 | — | $5,295 | — |
| Delta Dental Insurance Companyvision | 65 | — | — | — |
| Pre-Paid Legal Services Inc. dba Legal Shieldcoverage not coded | 15 | — | $260 | — |
| The Lincoln National Life Insurance Companylife | 137 | — | $2,031 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 138 | — | $11,514 | — |
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 Inhome Therapy, 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: $19,027 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 | 257 | 189 | −26.5% |
| Premiums filed | $1,200,869 | $1,503,141 | +25.2% |
| Broker commissions + fees | $104,126 | $106,062 | +1.9% |
| Commission rate | 4.4% | 5.8% | +1.4 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 |
|---|---|---|---|---|
| Inhome Therapy, Inc. Health and Welfare Plan#501 · insurance | December 31, 2025 | July 13, 2026 | before deadline | 189 |
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 Inhome Therapy, Inc. pay in health insurance broker commissions in 2025?
Inhome Therapy, Inc.'s 2025 Form 5500 reports $106,062 in broker commissions and fees across 6 insurance contracts ($95,422 in commissions, $10,640 in fees).
Is Inhome Therapy, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Independence Blue Cross.
How does Inhome Therapy, Inc.'s broker compensation compare with similar employers?
Inhome Therapy, Inc. paid 5.8% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Pennsylvania is 4.4%. 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.