Onewell LLC
Updated Filing received by DOL
Onewell LLC, a healthcare & social assistance employer in Lancaster, Pennsylvania, reported 958 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $137,536 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 15, 2026, within the extension window.
Who was paid on Onewell LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Onewell LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Heffernan · Walnut Creek, CA | $107,862 | $4,180 | $112,042 | 8 |
| Emerson Rogers LLC · Warrendale, PA | $12,200 | $0 | $12,200 | 1 |
| Oropeza, Noah G · Litchfield Park, AZ | $0 | $9,523 | $9,523 | 5 |
| Word & Brown Ins Admin Inc · Orange, CA | $3,771 | $0 | $3,771 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Unum Life Insurance Company of Americalife | 170 | — | $10,365 | — |
| United Concordia Insurance Companydental | 273 | — | $11,313 | — |
| Unum Life Insurance Company of Americacoverage not coded | 108 | — | $3,158 | — |
| Unum Life Insurance Company of Americashort-term disability | 99 | — | $9,191 | — |
| Starmount Life Insurance Companyvision | 235 | — | $3,751 | — |
| Unum Life Insurance Company of Americalife, long-term disability | 958 | — | $11,591 | — |
| Highmark Inc.health, prescription drug | 233 | — | $83,967 | — |
| Unum Life Insurance Company of Americacoverage not coded | 99 | — | $4,200 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Onewell LLC 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.
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 |
|---|---|---|---|---|
| Onewell LLC Health and Welfare Plan#501 · insurance, general assets | June 30, 2025 | April 15, 2026 | within extension | 958 |
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 Onewell LLC pay in health insurance broker commissions in 2024?
Onewell LLC's 2024 Form 5500 reports $137,536 in broker commissions and fees across 8 insurance contracts ($123,833 in commissions, $13,703 in fees), with Heffernan receiving the largest share.
Is Onewell LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Highmark Inc..
How does Onewell LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Onewell LLC 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.
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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.