Invicro, LLC
Updated Filing received by DOL
Invicro, LLC, a professional & technical services employer in Needham, Massachusetts, reported 270 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $4.4M in insurance premiums across 2 contracts and $96,675 in broker commissions and fees, 2.1% 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 June 11, 2026, before the deadline.
Who was paid on Invicro, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Invicro, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $74,647 | $21,747 | $96,394 | 2 |
| Marsh McLennan Agency · San Diego, CA | $0 | $281 | $281 | 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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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, Inc.health, prescription drug, PPO | 399 | $4.4M | $94,362 | 2.1% |
| The Guardian Life Insurance Company of Americacoverage not coded | 41 | — | $2,313 | — |
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 Invicro, LLC 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: $11,013 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 | 264 | 270 | +2.3% |
| Premiums filed | $3,865,864 | $4,394,316 | +13.7% |
| Broker commissions + fees | $101,365 | $96,675 | −4.6% |
| Commission rate | 2.0% | 2.1% | +0.2 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 |
|---|---|---|---|---|
| Invicro Boston Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | June 11, 2026 | before deadline | 270 |
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 Invicro, LLC pay in health insurance broker commissions in 2025?
Invicro, LLC's 2025 Form 5500 reports $96,675 in broker commissions and fees across 2 insurance contracts ($73,082 in commissions, $23,593 in fees), with Mercer receiving the largest share.
Is Invicro, LLC'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 Cross Blue Shield of Massachusetts, Inc..
How does Invicro, LLC's broker compensation compare with similar employers?
Invicro, LLC paid 2.1% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Massachusetts is 2.5%. 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.