Kelsch Associates, Inc.-Nj
Updated Filing received by DOL
Kelsch Associates, Inc.-Nj, a healthcare & social assistance employer in Westville, New Jersey, reported 121 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.9M in insurance premiums across 4 contracts and $143,326 in broker commissions and fees, 6.6% 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 August 21, 2025, before the deadline.
Who was paid on Kelsch Associates, Inc.-Nj's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Kelsch Associates, Inc.-Nj filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Emerson Rogers LLC · Blue Bell, PA | $127,755 | $0 | $127,755 | 1 |
| USI Insurance Services · Virginia Beach, VA | $12,918 | $2,653 | $15,571 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Amerihealth Insurance Companyhealth, vision, prescription drug | 158 | $1.9M | $127,755 | 6.6% |
| The Lincoln National Life Insurance Companydental | 136 | — | $6,327 | — |
| The Guardian Life Insurance Company of Americalife, long-term disability | 102 | — | $9,244 | — |
| Compsychcoverage not coded | 190 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Kelsch Associates, Inc.-Nj 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: $12,186 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 114 | 121 | +6.1% |
| Premiums filed | $1,770,311 | $1,925,413 | +8.8% |
| Broker commissions + fees | $102,218 | $143,326 | +40.2% |
| Commission rate | 5.0% | 6.6% | +1.6 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Kelsch Associates#501 · insurance | March 31, 2025 | August 21, 2025 | before deadline | 121 |
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 Kelsch Associates, Inc.-Nj pay in health insurance broker commissions in 2024?
Kelsch Associates, Inc.-Nj's 2024 Form 5500 reports $143,326 in broker commissions and fees across 4 insurance contracts ($140,673 in commissions, $2,653 in fees), with Emerson Rogers LLC receiving the largest share.
Is Kelsch Associates, Inc.-Nj's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Amerihealth Insurance Company.
How does Kelsch Associates, Inc.-Nj's broker compensation compare with similar employers?
Kelsch Associates, Inc.-Nj paid 6.6% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in New Jersey is 5.4%. 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.