MSK Group, PC
Updated Filing received by DOL
MSK Group, PC, a healthcare & social assistance employer in Memphis, Tennessee, reported 468 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.1M in insurance premiums across 3 contracts and $273,680 in broker commissions and fees, 3.9% 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 August 25, 2026, within the extension window.
Who was paid on MSK Group, PC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract MSK Group, PC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| AssuredPartners · Franklin, TN | $247,006 | $13,093 | $260,099 | 4 |
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 |
|---|---|---|---|---|
| Bluecross Blueshield of Tennessee, Inc.health, dental, vision, prescription drug | 353 | $3.1M | $122,221 | 3.9% |
| Symetra Life Insurance Companylife, short-term disability, long-term disability | 422 | — | $117,897 | — |
| Symetra Life Insurance Companycoverage not coded | 154 | — | $33,562 | — |
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 MSK Group, PC 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: $8,891 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 | 412 | 468 | +13.6% |
| Premiums filed | $2,960,839 | $3,138,554 | +6.0% |
| Broker commissions + fees | $220,639 | $273,680 | +24.0% |
| Commission rate | 3.5% | 3.9% | +0.4 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 |
|---|---|---|---|---|
| Health and Welfare Benefit Plan for MSK Group, PC#501 · insurance, general assets | December 31, 2025 | August 25, 2026 | within extension | 468 |
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 MSK Group, PC pay in health insurance broker commissions in 2025?
MSK Group, PC's 2025 Form 5500 reports $273,680 in broker commissions and fees across 3 insurance contracts ($258,219 in commissions, $15,461 in fees), with AssuredPartners receiving the largest share.
Is MSK Group, PC'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 Bluecross Blueshield of Tennessee, Inc..
How does MSK Group, PC's broker compensation compare with similar employers?
MSK Group, PC paid 3.9% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Tennessee is 3.9%. 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.