Innovive Health
Updated Filing received by DOL
Innovive Health, a healthcare & social assistance employer in Medford, Massachusetts, reported 364 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $139,571 in insurance premiums across 5 contracts and $42,030 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 6, 2026, before the deadline.
Who was paid on Innovive Health's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Innovive Health filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cross Insurance · Wakefield, MA | $24,620 | $0 | $24,620 | 5 |
| Ibenefit Communication · Medford, MA | $10,482 | $0 | $10,482 | 2 |
| Professional Group Plans, Inc. · Hauppauge, NY | $0 | $4,408 | $4,408 | 1 |
| Benefits All Insurance, LLC · Medford, MA | $2,519 | $0 | $2,519 | 2 |
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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Massachusetts, Incdental | 757 | $139,571 | $4,200 | 3.0% |
| Eyemed Vision Care on Behalf of the Fedelity Security Life Ins. Co.vision | 632 | — | $1,550 | — |
| Combined Insurance Company of Americacoverage not coded | 168 | — | $5,992 | — |
| Combined Insurance Company of Americacoverage not coded | 94 | — | $12,656 | — |
| Reliance Standard Life Insurance Companylife, short-term disability, long-term disability | 337 | — | $17,632 | — |
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 Innovive Health 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 | 452 | 364 | −19.5% |
| Premiums filed | $6,979,663 | $139,571 | −98.0% |
| Broker commissions + fees | $370,502 | $42,030 | −88.7% |
| Commission rate | 3.5% | — | — |
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 |
|---|---|---|---|---|
| Innovive Health Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | July 6, 2026 | before deadline | 364 |
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 Innovive Health pay in health insurance broker commissions in 2025?
Innovive Health's 2025 Form 5500 reports $42,030 in broker commissions and fees across 5 insurance contracts ($37,622 in commissions, $4,408 in fees), with Cross Insurance receiving the largest share.
Is Innovive Health's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Innovive Health's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Innovive Health because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.