Oak Orchard Community Health Center, Inc.
Updated Filing received by DOL
Oak Orchard Community Health Center, Inc., a healthcare & social assistance employer in Brockport, New York, reported 253 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $2.3M in insurance premiums across 5 contracts and $93,185 in broker commissions and fees, 3.6% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on September 16, 2026, within the extension window.
Who was paid on Oak Orchard Community Health Center, 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 Oak Orchard Community Health Center, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Morgenstern Ben Solutions, Inc. · Pittsford, NY | $83,853 | $0 | $83,853 | 5 |
| USI Insurance Services · Rochester, NY | $8,072 | $0 | $8,072 | 1 |
| Usb Health LLC · Grapevine, TX | $0 | $1,260 | $1,260 | 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. 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 |
|---|---|---|---|---|
| Excellus Blue Cross Blue Shieldhealth, dental, vision, prescription drug | 155 | $2.3M | $84,542 | 3.6% |
| Employee Network, Inc.coverage not coded | 262 | — | — | — |
| Cigna Health and Life Insurance Companycoverage not coded | 262 | — | $852 | — |
| Mutual of Omaha Insurance Companylife, short-term disability | 236 | — | $3,451 | — |
| Companion Life Insurance Companylife | 236 | — | $4,340 | — |
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 Oak Orchard Community Health Center, 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: $15,033 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 | 359 | 253 | −29.5% |
| Premiums filed | $1,913,843 | $2,330,063 | +21.7% |
| Broker commissions + fees | $92,792 | $93,185 | +0.4% |
| Commission rate | 3.7% | 3.6% | −0.1 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 |
|---|---|---|---|---|
| Oak Orchard Community Health Inc. Health and Welfare Benefit Plan#505 · insurance | December 31, 2025 | September 16, 2026 | within extension | 253 |
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 Oak Orchard Community Health Center, Inc. pay in health insurance broker commissions in 2025?
Oak Orchard Community Health Center, Inc.'s 2025 Form 5500 reports $93,185 in broker commissions and fees across 5 insurance contracts ($91,925 in commissions, $1,260 in fees), with Morgenstern Ben Solutions, Inc. receiving the largest share.
Is Oak Orchard Community Health Center, 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 Excellus Blue Cross Blue Shield.
How does Oak Orchard Community Health Center, Inc.'s broker compensation compare with similar employers?
Oak Orchard Community Health Center, Inc. paid 3.6% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in New York is 3.7%. 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.