Living Arrangements for the Developmentally Disabled, Inc.
Updated Filing received by DOL
Living Arrangements for the Developmentally Disabled, Inc., a healthcare & social assistance employer in Cincinnati, Ohio, reported 105 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 10 insurance contracts with no premium reported and $32,598 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 17, 2026, 2 days after the extended deadline.
Who was paid on Living Arrangements for the Developmentally Disabled, 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 Living Arrangements for the Developmentally Disabled, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cai/Insurance Agency, Inc · Cincinnati, OH | $27,545 | $705 | $28,250 | 9 |
| Gis Benefits Inc · Morris, IL | $0 | $4,416 | $4,416 | 8 |
| Second Act Benefits Inc · Loveland, OH | $0 | $0 | $0 | 1 |
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 |
|---|---|---|---|---|
| United of Omaha Life Insurance Companyindemnity | 14 | — | $1,107 | — |
| United of Omaha Life Insurance Companylife | 21 | — | $1,144 | — |
| Community Insurance Companyhealth, PPO | 53 | — | $18,169 | — |
| United of Omaha Life Insurance Companylong-term disability | 109 | — | $3,065 | — |
| Trihealth Eapcoverage not coded | 160 | — | — | — |
| United of Omaha Life Insurance Companylife | 109 | — | $2,583 | — |
| United of Omaha Life Insurance Companydental | 59 | — | $3,083 | — |
| United of Omaha Life Insurance Companycoverage not coded | 17 | — | $1,183 | — |
| United of Omaha Life Insurance Companycoverage not coded | 32 | — | $1,553 | — |
| United of Omaha Life Insurance Companyvision | 56 | — | $711 | — |
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 Living Arrangements for the Developmentally Disabled, 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.
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 |
|---|---|---|---|---|
| Living Arrangements for the Developmentally Disabled, Inc. Employee Benefits Plan#501 · filed under DFVCP · insurance, general assets | June 30, 2025 | April 17, 2026 | 2 days late | 105 |
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 Living Arrangements for the Developmentally Disabled, Inc. pay in health insurance broker commissions in 2024?
Living Arrangements for the Developmentally Disabled, Inc.'s 2024 Form 5500 reports $32,598 in broker commissions and fees across 10 insurance contracts ($27,477 in commissions, $5,121 in fees), with Cai/Insurance Agency, Inc receiving the largest share.
Is Living Arrangements for the Developmentally Disabled, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Community Insurance Company.
How does Living Arrangements for the Developmentally Disabled, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Living Arrangements for the Developmentally Disabled, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.