Metrolina Greenhouses Inc
Updated Filing received by DOL
Metrolina Greenhouses Inc, an agriculture, forestry, fishing employer in Huntersville, North Carolina, reported 754 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $395,754 in insurance premiums across 10 contracts and $91,372 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 15, 2026, before the deadline.
Who was paid on Metrolina Greenhouses 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 Metrolina Greenhouses Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Conshohocken, PA | $47,509 | $2,886 | $50,395 | 10 |
| Melissa Nelson · Greensboro, NC | $40,440 | $0 | $40,440 | 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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companydental, vision | 655 | $395,754 | $20,634 | 5.2% |
| Blue Cross Blue Shield of NChealth, prescription drug | 754 | — | $40,440 | — |
| The Lincoln National Life Insurance Companyindemnity | 94 | — | $5,178 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 184 | — | $10,495 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 116 | — | $7,327 | — |
| The Lincoln National Life Insurance Companylife | 694 | — | $2,935 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 417 | — | $2,940 | — |
| The Lincoln National Life Insurance Companylong-term disability | 224 | — | $1,423 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 417 | — | — | — |
| The Lincoln National Life Insurance Companycoverage not coded | 694 | — | — | — |
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 Metrolina Greenhouses 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 770 | 754 | −2.1% |
| Premiums filed | $398,154 | $395,754 | not comparable |
| Broker commissions + fees | $217,360 | $91,372 | −58.0% |
| 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 |
|---|---|---|---|---|
| Metrolina Greenhouses Inc#501 · insurance | December 31, 2025 | July 15, 2026 | before deadline | 754 |
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 Metrolina Greenhouses Inc pay in health insurance broker commissions in 2025?
Metrolina Greenhouses Inc's 2025 Form 5500 reports $91,372 in broker commissions and fees across 10 insurance contracts ($81,301 in commissions, $10,071 in fees), with Marsh McLennan Agency receiving the largest share.
Is Metrolina Greenhouses Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross Blue Shield of NC.
How does Metrolina Greenhouses Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Metrolina Greenhouses Inc 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.
Send the full findings to your inbox.
A specialist writes up every finding for Metrolina Greenhouses Inc with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.