Ontario Christian School Association
Updated Filing received by DOL
Ontario Christian School Association, an education services employer in Ontario, California, reported 103 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 1 insurance contract with no premium reported and $126,329 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 1, 2026, 47 days after the extended deadline.
Who was paid on Ontario Christian School Association's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Ontario Christian School Association filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cif Insurance Agency, Inc. · Huntington Beach, CA | $13,125 | $63,318 | $76,443 | 1 |
| Amwins Connect Insurance SVCS., LLC · San Mateo, CA | $32,278 | $1,533 | $33,811 | 1 |
| Pacific Standard Ins Services, Inc. · Escondido, CA | $2,006 | $10,050 | $12,056 | 1 |
| Elko Insurance Agency, Inc. · Escondido, CA | $669 | $3,350 | $4,019 | 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 |
|---|---|---|---|---|
| California Physicians Servicehealth, dental, vision, prescription drug | 271 | — | $126,329 | — |
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 Ontario Christian School Association 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.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 104 | 103 | −1.0% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $98,156 | $126,329 | +28.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Ontario Christian School Association Medical Plan#502 · final filing · filed under DFVCP · insurance | July 31, 2025 | July 1, 2026 | 47 days late | 103 |
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 Ontario Christian School Association pay in health insurance broker commissions in 2024?
Ontario Christian School Association's 2024 Form 5500 reports $126,329 in broker commissions and fees across 1 insurance contracts ($48,078 in commissions, $78,251 in fees), with Cif Insurance Agency, Inc. receiving the largest share.
Is Ontario Christian School Association's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by California Physicians Service.
How does Ontario Christian School Association's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Ontario Christian School Association because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.