Montgomery, McCracken, Walker & Rhoads, LLP
Updated Filing received by DOL
Montgomery, McCracken, Walker & Rhoads, LLP, a professional & technical services employer in Philadelphia, Pennsylvania, reported 143 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.5M in insurance premiums across 10 contracts and $91,360 in broker commissions and fees, 3.4% 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 10, 2026, before the deadline.
Who was paid on Montgomery, McCracken, Walker & Rhoads, 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 Montgomery, McCracken, Walker & Rhoads, LLP filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Conshohocken, PA | $81,928 | $4,519 | $86,447 | 5 |
| Amerihealth Administrators Inc · Eagan, MN | $3,981 | $0 | $3,981 | 1 |
| See Attached · Columbus, GA | $932 | $0 | $932 | 3 |
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 |
|---|---|---|---|---|
| Independence Blue Crosshealth, prescription drug, PPO | 95 | $988,443 | $34,658 | 3.5% |
| Keystone Health Plan Easthealth, prescription drug, HMO | 39 | $363,456 | $10,930 | 3.0% |
| Independence Blue Crossprescription drug | 95 | $141,140 | — | — |
| Aflac -Continental American Insurance Companylife, short-term disability | 6 | — | $638 | — |
| The Guardian Life Insurance Company of Americalife, short-term disability, long-term disability | 128 | — | $37,897 | — |
| Aflac -Continental American Insurance Companylife, short-term disability | 2 | — | $240 | — |
| National Vision Administrators, LLCvision | 111 | — | $680 | — |
| Federal Insurance Company (chubb)coverage not coded | 128 | — | — | — |
| United Concordia Insurance Companydental | 83 | — | $6,263 | — |
| Aflac -Continental American Insurance Companylife, short-term disability | 2 | — | $54 | — |
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 Montgomery, McCracken, Walker & Rhoads, 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.
Premium per covered person on medical contracts: $10,089 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 | 143 | 143 | +0.0% |
| Premiums filed | $1,443,942 | $1,493,039 | +3.4% |
| Broker commissions + fees | $97,769 | $91,360 | −6.6% |
| Commission rate | 3.7% | 3.4% | −0.3 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 |
|---|---|---|---|---|
| Montgomery, McCracken, Walker & Rhoads, LLP Flexible Benefits Plan#501 · insurance, general assets | February 28, 2026 | September 10, 2026 | before deadline | 143 |
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 Montgomery, McCracken, Walker & Rhoads, LLP pay in health insurance broker commissions in 2025?
Montgomery, McCracken, Walker & Rhoads, LLP's 2025 Form 5500 reports $91,360 in broker commissions and fees across 10 insurance contracts ($86,841 in commissions, $4,519 in fees), with Marsh McLennan Agency receiving the largest share.
Is Montgomery, McCracken, Walker & Rhoads, LLP'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 Independence Blue Cross, Keystone Health Plan East.
How does Montgomery, McCracken, Walker & Rhoads, LLP's broker compensation compare with similar employers?
Montgomery, McCracken, Walker & Rhoads, LLP paid 3.4% 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.