Pathstone Family Office, LLC
Updated Filing received by DOL
Pathstone Family Office, LLC, a finance & insurance employer in Englewood, New Jersey, reported 579 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $115,983 in insurance premiums across 6 contracts and $91,640 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 2, 2026, before the deadline.
Who was paid on Pathstone Family Office, 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 Pathstone Family Office, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| York International Agency, LLC · Harrison, NY | $70,668 | $0 | $70,668 | 6 |
| Centro Benefits Research, LLC · Kirkwood, MO | $11,376 | $7,520 | $18,896 | 2 |
| IMA Financial · Englewood, NJ | $0 | $2,076 | $2,076 | 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 |
|---|---|---|---|---|
| Standard Insurance Companylife | 597 | $115,983 | $11,300 | 9.7% |
| Metlife Legal Planscoverage not coded | 63 | — | $2,103 | — |
| The Guardian Life Insurance Company of Americashort-term disability, long-term disability | 609 | — | $22,237 | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, vision, indemnity | 452 | — | $42,443 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 606 | — | $7,923 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 17 | — | $5,634 | — |
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 Pathstone Family Office, 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.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 485 | 579 | +19.4% |
| Premiums filed | $93,549 | $115,983 | not comparable |
| Broker commissions + fees | $59,276 | $91,640 | +54.6% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Pathstone Family Office Employee Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 2, 2026 | before deadline | 579 |
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 Pathstone Family Office, LLC pay in health insurance broker commissions in 2025?
Pathstone Family Office, LLC's 2025 Form 5500 reports $91,640 in broker commissions and fees across 6 insurance contracts ($82,044 in commissions, $9,596 in fees), with York International Agency, LLC receiving the largest share.
Is Pathstone Family Office, LLC'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 Kaiser Foundation Health Plan, Inc..
How does Pathstone Family Office, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Pathstone Family Office, 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.