McCarter & English, LLP
Updated Filing received by DOL
McCarter & English, LLP, a professional & technical services employer in Newark, New Jersey, reported 878 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.7M in insurance premiums across 6 contracts and $153,860 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on September 24, 2026, within the extension window.
Who was paid on McCarter & English, LLP's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract McCarter & English, LLP filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · Boston, MA | $140,666 | $10,886 | $151,552 | 5 |
| USI Insurance Services · Virginia Beach, VA | $960 | $0 | $960 | 2 |
| Parks Benefits & Enrollment LLC · Lexington, SC | $212 | $182 | $394 | 2 |
| Helen Diz-Hatton · Englishtown, NJ | $285 | $0 | $285 | 2 |
| Adam Ira Brown · Fort Lauderdale, FL | $201 | $38 | $239 | 2 |
| Clarice R Mims · Marlboro, NY | $150 | $0 | $150 | 1 |
| Howard J Horowitz · Carmel, IN | $106 | $5 | $111 | 1 |
| David J McClellan · Reinholds, PA | $65 | $41 | $106 | 2 |
| Magda Isabel Wisdom · Bethlehem, PA | $33 | $0 | $33 | 1 |
| Brito Enefits Solutions Inc · Miami, FL | $13 | $3 | $16 | 1 |
| Single Point Enrollment Solutions · Miami, FL | $13 | $3 | $16 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Standard Insurance Companylife, short-term disability, long-term disability | 742 | $1.7M | $133,134 | 7.7% |
| Vision Service Planvision | 492 | — | — | — |
| Aetna Life Insurance Co.dental | 1,116 | — | $960 | — |
| The Guardian Life Insurance Company of Americacoverage not coded | 124 | — | $17,721 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 39 | — | $1,549 | — |
| The Paul Revere Life Insurance Companyshort-term disability | 1 | — | $496 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How McCarter & English, LLP 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 817 | 878 | +7.5% |
| Premiums filed | $1,472,048 | $1,735,771 | +17.9% |
| Broker commissions + fees | $210,874 | $153,860 | −27.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| McCarter & English, LLP Health and Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | September 24, 2026 | within extension | 878 |
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 McCarter & English, LLP pay in health insurance broker commissions in 2025?
McCarter & English, LLP's 2025 Form 5500 reports $153,860 in broker commissions and fees across 6 insurance contracts ($142,702 in commissions, $11,158 in fees), with Willis Towers Watson receiving the largest share.
Is McCarter & English, LLP's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does McCarter & English, LLP's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for McCarter & English, LLP because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.