Inspire Health Medical Group
Updated Filing received by DOL
Inspire Health Medical Group, a healthcare & social assistance employer in Fresno, California, reported 539 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $753,136 in insurance premiums across 5 contracts and $342,142 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on May 22, 2026, before the deadline.
Who was paid on Inspire Health Medical Group's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Inspire Health Medical Group filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Kansas City, MO | $32,588 | $309,554 | $342,142 | 8 |
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 |
|---|---|---|---|---|
| Standard Insurance Companylife, short-term disability, long-term disability | 627 | $753,136 | $71,481 | 9.5% |
| Blue Shield of Californiahealth, prescription drug, HMO, PPO | 835 | — | $251,314 | — |
| Vision Service Planvision | 475 | — | $2,232 | — |
| Telus Healthcoverage not coded | 633 | — | — | — |
| Standard Insurance Companyindemnity | 156 | — | $17,115 | — |
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 Inspire Health Medical Group 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 | 580 | 539 | −7.1% |
| Premiums filed | $630,503 | $753,136 | not comparable |
| Broker commissions + fees | $324,250 | $342,142 | +5.5% |
| 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 |
|---|---|---|---|---|
| Inspire Health Medical Group Welfare Plan#501 · insurance, general assets | December 31, 2025 | May 22, 2026 | before deadline | 539 |
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 Inspire Health Medical Group pay in health insurance broker commissions in 2025?
Inspire Health Medical Group's 2025 Form 5500 reports $342,142 in broker commissions and fees across 5 insurance contracts ($32,588 in commissions, $309,554 in fees), with Lockton receiving the largest share.
Is Inspire Health Medical Group'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 Blue Shield of California.
How does Inspire Health Medical Group's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Inspire Health Medical Group because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.