Longwood Gardens, Inc.
Updated Filing received by DOL
Longwood Gardens, Inc., an arts & entertainment employer in Kennett Square, Pennsylvania, reported 326 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $86,103 in insurance premiums across 7 contracts and $52,251 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 29, 2025, before the deadline.
Who was paid on Longwood Gardens, 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 Longwood Gardens, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Health Insurance Services · Duluth, MN | $36,563 | $0 | $36,563 | 1 |
| Gallagher · Wayne, PA | $4,305 | $0 | $4,305 | 1 |
| Berends Hendricks Stuit Ins. Agency · Grandville, MI | $810 | $114 | $924 | 1 |
| Img · Indianapolis, IN | $0 | $74 | $74 | 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 |
|---|---|---|---|---|
| Vision Benefits of Americavision | 311 | $86,103 | $4,305 | 5.0% |
| Prudential Insurance Company of Americalife, long-term disability | 356 | — | $8,782 | — |
| Four Ever Life Insurance Companyhealth | 343 | — | — | — |
| Countrywide Enterprises, Inc.coverage not coded | 95 | — | $1,677 | — |
| Sierra Health and Life Insurance Company, Inc.health, dental, vision, prescription drug | 140 | — | $36,563 | — |
| Magellan Healthcarecoverage not coded | 700 | — | — | — |
| Federal Insurance Companycoverage not coded | 343 | — | $924 | — |
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 Longwood Gardens, 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 | 400 | 326 | −18.5% |
| Premiums filed | $76,676 | $86,103 | not comparable |
| Broker commissions + fees | $62,334 | $52,251 | −16.2% |
| 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 |
|---|---|---|---|---|
| Longwood Gardens, Inc. Welfare Benefit Plan#501 · insurance, general assets | February 28, 2025 | September 29, 2025 | before deadline | 326 |
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 Longwood Gardens, Inc. pay in health insurance broker commissions in 2024?
Longwood Gardens, Inc.'s 2024 Form 5500 reports $52,251 in broker commissions and fees across 7 insurance contracts ($52,063 in commissions, $188 in fees), with Health Insurance Services receiving the largest share.
Is Longwood Gardens, 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 Four Ever Life Insurance Company, Sierra Health and Life Insurance Company, Inc..
How does Longwood Gardens, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Longwood Gardens, 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.