Milbern Builders Assoc., Inc.
Updated Filing received by DOL
Milbern Builders Assoc., Inc., a construction employer in Exton, Pennsylvania, reported 101 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $837,362 in insurance premiums across 3 contracts and $50,908 in broker commissions and fees, 4.8% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 1, 2026, within the extension window.
Who was paid on Milbern Builders Assoc., 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 Milbern Builders Assoc., Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Conner Strong & Buckelew · Camden, NJ | $10,207 | $25,795 | $36,002 | 3 |
| The Conestoga Group · Frazer, PA | $5,550 | $9,356 | $14,906 | 3 |
| Emerson Rogers, LLC · Blue Bell, PA | $0 | $0 | $0 | 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 Companyhealth, prescription drug | 113 | $738,486 | $35,151 | 4.8% |
| Standard Insurance Companylife, short-term disability, long-term disability | 110 | $98,876 | $8,013 | 8.1% |
| Cigna Health and Life Insurance Companydental, vision, indemnity | 175 | — | $7,744 | — |
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 Milbern Builders Assoc., 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.
Premium per covered person on medical contracts: $6,535 a year (national median $7,274).
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 | 107 | 101 | −5.6% |
| Premiums filed | $846,563 | $837,362 | −1.1% |
| Broker commissions + fees | $79,942 | $50,908 | −36.3% |
| Commission rate | 10.3% | 4.8% | −5.5 pts |
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 |
|---|---|---|---|---|
| Hankin Group Health & Welfare Benefits Plan#501 · insurance, general assets | December 31, 2025 | September 1, 2026 | within extension | 101 |
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 Milbern Builders Assoc., Inc. pay in health insurance broker commissions in 2025?
Milbern Builders Assoc., Inc.'s 2025 Form 5500 reports $50,908 in broker commissions and fees across 3 insurance contracts ($15,757 in commissions, $35,151 in fees), with Conner Strong & Buckelew receiving the largest share.
Is Milbern Builders Assoc., Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health and Life Insurance Company.
How does Milbern Builders Assoc., Inc.'s broker compensation compare with similar employers?
Milbern Builders Assoc., Inc. paid 4.8% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Pennsylvania is 4.4%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.