Jewish Home for the Elderly of Fairfield County Inc
Updated Filing received by DOL
Jewish Home for the Elderly of Fairfield County Inc, an other services employer in Bridgeport, Connecticut, reported 572 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 8 insurance contracts with no premium reported and $32,062 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 24, 2026, before the deadline.
Who was paid on Jewish Home for the Elderly of Fairfield County 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 Jewish Home for the Elderly of Fairfield County Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HPHC Insurance Agency, Inc. · Wellesley Hills, MA | $16,216 | $0 | $16,216 | 1 |
| Marsh McLennan Agency · Saddle Brook, NJ | $13,306 | $658 | $13,964 | 6 |
| Employee Family Protection Inc · Glastonbury, CT | $521 | $0 | $521 | 2 |
| Michelle Dartee · Sparta, NJ | $400 | $0 | $400 | 1 |
| Thomas Vincent Moletto · Charlotte, NC | $350 | $0 | $350 | 1 |
| Custom Benefit Programs, Inc. · Hammonton, NJ | $237 | $0 | $237 | 1 |
| Kelly & Associates Insurance Group · Sparks, MD | $123 | $0 | $123 | 1 |
| Michael Anthony Chandler · Converse, TX | $90 | $0 | $90 | 1 |
| Jennifer E Lubelsky · New York, NY | $71 | $0 | $71 | 1 |
| Emerson Reid LLC · Blue Bell, PA | $59 | $0 | $59 | 1 |
| Sa General Agency Inc · San Antonio, TX | $21 | $0 | $21 | 1 |
| Horizon Benefits LLC · San Antonio, TX | $5 | $0 | $5 | 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 |
|---|---|---|---|---|
| Unum Life Insurance Company of Americashort-term disability | 568 | — | — | — |
| Unum Life Insurance Company of Americalife, long-term disability | 474 | — | $2,388 | — |
| Unum Life Insurance Company of Americalife | 109 | — | $461 | — |
| Unum Life Insurance Company of Americacoverage not coded | 5 | — | $85 | — |
| Provident Life and Accident Insurance Companylife | 73 | — | $906 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 81 | — | $2,205 | — |
| Guardiandental, vision | 308 | — | $26,017 | — |
| Progressive Benefits Solutions, LLCcoverage not coded | 123 | — | — | — |
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 Jewish Home for the Elderly of Fairfield County 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 | 574 | 572 | −0.3% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $30,735 | $32,062 | +4.3% |
| 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 |
|---|---|---|---|---|
| Jewish Home for the Elderly Medical Insurance Plan#501 · insurance | December 31, 2025 | July 24, 2026 | before deadline | 572 |
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 Jewish Home for the Elderly of Fairfield County Inc pay in health insurance broker commissions in 2025?
Jewish Home for the Elderly of Fairfield County Inc's 2025 Form 5500 reports $32,062 in broker commissions and fees across 8 insurance contracts ($31,404 in commissions, $658 in fees), with HPHC Insurance Agency, Inc. receiving the largest share.
Is Jewish Home for the Elderly of Fairfield County Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims).
How does Jewish Home for the Elderly of Fairfield County Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Jewish Home for the Elderly of Fairfield County Inc 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.