Lifepath, Inc.
Updated Filing received by DOL
Lifepath, Inc., a healthcare & social assistance employer in Bethlehem, Pennsylvania, reported 479 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $21,510 in insurance premiums across 8 contracts and $102,160 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Optum Health (unimerica Insurance Company)). The Department of Labor received an amended filing on December 2, 2025; the original filing date is not in the public dataset.
Who was paid on Lifepath, 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 Lifepath, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Bsi Corporate Benefits LLC · Southfield, MI | $66,956 | $35,204 | $102,160 | 7 |
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 |
|---|---|---|---|---|
| Capital Advantage Assurance Companyvision | 667 | $21,510 | $2,151 | 10.0% |
| Delta Dental of Pennsylvaniadental | 829 | — | $12,483 | — |
| United of Omaha Life Insurance Companylong-term disability | 13 | — | $598 | — |
| United of Omaha Life Insurance Companyshort-term disability | 575 | — | $28,079 | — |
| United of Omaha Life Insurance Companylife | 575 | — | $13,659 | — |
| United of Omaha Life Insurance Companycoverage not coded | 248 | — | $28,144 | — |
| United of Omaha Life Insurance Companycoverage not coded | 241 | — | $17,046 | — |
| Optum Health (unimerica Insurance Company)stop-loss | 486 | — | — | — |
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 Lifepath, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 555 | 479 | −13.7% |
| Premiums filed | $0 | $21,510 | — |
| Broker commissions + fees | $96,288 | $102,160 | +6.1% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Lifepath, Inc. Employee Benefit Plan#506 · amended · insurance, general assets | December 31, 2024 | December 2, 2025 | amended filing; original date not in data | 479 |
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 Lifepath, Inc. pay in health insurance broker commissions in 2024?
Lifepath, Inc.'s 2024 Form 5500 reports $102,160 in broker commissions and fees across 8 insurance contracts ($66,956 in commissions, $35,204 in fees), with Bsi Corporate Benefits LLC receiving the largest share.
Is Lifepath, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Optum Health (unimerica Insurance Company)).
How does Lifepath, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Lifepath, Inc. 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.