M J Engineering, Architecture, Landscape Architecture, and Land
Updated Filing received by DOL
M J Engineering, Architecture, Landscape Architecture, and Land, a professional & technical services employer in Clifton Park, New York, reported 155 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 11 insurance contracts with no premium reported and $80,261 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on February 17, 2026, within the extension window.
Who was paid on M J Engineering, Architecture, Landscape Architecture, and Land's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract M J Engineering, Architecture, Landscape Architecture, and Land filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| NFP · New York, NY | $68,034 | $4,940 | $72,974 | 12 |
| Rose & Kiernan, Inc. · Philadelphia, PA | $4,276 | $1,679 | $5,955 | 2 |
| Not Provided | $1,332 | $0 | $1,332 | 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 |
|---|---|---|---|---|
| Highmark Western and Northeastern Newyork Inc.health, prescription drug | 117 | — | $54,276 | — |
| Mutual of Omaha Insurance Companyshort-term disability | 150 | — | $3,418 | — |
| Mutual of Omaha Insurance Companylong-term disability | 150 | — | $3,576 | — |
| Mutual of Omaha Insurance Companylife | 150 | — | $451 | — |
| Companion Life Insurance Companylife | 150 | — | $1,566 | — |
| Companion Life Insurance Companycoverage not coded | 49 | — | $3,287 | — |
| The Guardian Life Insurance Company of Americadental, vision | 126 | — | $6,400 | — |
| Metropolitan Life Insurance Companyhealth | 41 | — | $3,205 | — |
| Metropolitan Life Insurance Companyhealth | 113 | — | $2,750 | — |
| Legal Club of Americacoverage not coded | 17 | — | $1,332 | — |
| Ucm Digital Healthcoverage not coded | 114 | — | — | — |
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 M J Engineering, Architecture, Landscape Architecture, and Land 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 |
|---|---|---|---|---|
| M J Engineering and Land Surveying Welfare Benefit Plan#503 · insurance, general assets | May 31, 2025 | February 17, 2026 | within extension | 155 |
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 M J Engineering, Architecture, Landscape Architecture, and Land pay in health insurance broker commissions in 2024?
M J Engineering, Architecture, Landscape Architecture, and Land's 2024 Form 5500 reports $80,261 in broker commissions and fees across 11 insurance contracts ($73,642 in commissions, $6,619 in fees), with NFP receiving the largest share.
Is M J Engineering, Architecture, Landscape Architecture, and Land'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 Highmark Western and Northeastern Newyork Inc., Metropolitan Life Insurance Company.
How does M J Engineering, Architecture, Landscape Architecture, and Land's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for M J Engineering, Architecture, Landscape Architecture, and Land 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.