Meridian Senior Living
Updated Filing received by DOL
Meridian Senior Living, a healthcare & social assistance employer in Bethesda, Maryland, reported 1,480 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 6 insurance contracts with no premium reported and $276,212 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 23, 2025, before the deadline.
Who was paid on Meridian Senior Living's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Meridian Senior Living filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · Virginia Beach, VA | $157,199 | $6,768 | $163,967 | 7 |
| Epsix, Inc. · Scottsdale, AZ | $43,863 | $0 | $43,863 | 2 |
| Add, LLC · Daniel Island, SC | $32,519 | $0 | $32,519 | 2 |
| Stephen West and Various Agents · Beacon Falls, CT | $30,018 | $0 | $30,018 | 1 |
| Christopher M. McKiernan · Orange, CT | $3,057 | $0 | $3,057 | 1 |
| Thomas P. McKiernan · Milford, CT | $2,789 | $0 | $2,789 | 2 |
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 |
|---|---|---|---|---|
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 41 | — | $12,520 | — |
| Unum Life Insurance Company of Americalife, long-term disability | 1,479 | — | $14,162 | — |
| Unum Life Insurance Company of Americalife | 80 | — | $3,019 | — |
| Continental American Insurance Companyshort-term disability | 605 | — | $81,763 | — |
| Massachusetts Mutual Life Insurance Companylife | 224 | — | $59,729 | — |
| Unitedhealthcare Insurance Companydental, vision | 638 | — | $105,019 | — |
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 Meridian Senior Living 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 | 1,430 | 1,480 | +3.5% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $172,357 | $276,212 | +60.3% |
| 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 |
|---|---|---|---|---|
| Meridian Senior Living Health & Welfare Plan#501 · insurance, general assets | December 31, 2024 | July 23, 2025 | before deadline | 1,480 |
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 Meridian Senior Living pay in health insurance broker commissions in 2024?
Meridian Senior Living's 2024 Form 5500 reports $276,212 in broker commissions and fees across 6 insurance contracts ($269,444 in commissions, $6,768 in fees), with USI Insurance Services receiving the largest share.
Is Meridian Senior Living'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 Kaiser Foundation Health Plan, Inc..
How does Meridian Senior Living's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Meridian Senior Living because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.