Phillipsburg Easton Vehicle Sales, Inc.
Updated Filing received by DOL
Phillipsburg Easton Vehicle Sales, Inc., a retail — stores, food, auto, clothing employer in Phillipsburg, New Jersey, reported 117 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $103,338 in insurance premiums across 4 contracts and $79,217 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on September 17, 2026, before the deadline.
Who was paid on Phillipsburg Easton Vehicle Sales, 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 Phillipsburg Easton Vehicle Sales, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Roseland, NJ | $77,605 | $1,612 | $79,217 | 5 |
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 |
|---|---|---|---|---|
| Delta Dental of New Jersey, Inc.dental | 223 | $103,338 | $4,367 | 4.2% |
| Unitedhealthcare Insurance Companyhealth, prescription drug | 247 | — | $60,083 | — |
| The Guardian Life Insurance Company of Americalife, long-term disability, indemnity | 204 | — | $12,572 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 226 | — | $2,195 | — |
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 Phillipsburg Easton Vehicle Sales, 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.
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 | 109 | 117 | +7.3% |
| Premiums filed | $84,737 | $103,338 | not comparable |
| Broker commissions + fees | $81,516 | $79,217 | −2.8% |
| 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 |
|---|---|---|---|---|
| Phillipsburg Easton Vehicle Sales, Inc. Employee Benefit(s) Plan#501 · insurance | February 28, 2026 | September 17, 2026 | before deadline | 117 |
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 Phillipsburg Easton Vehicle Sales, Inc. pay in health insurance broker commissions in 2025?
Phillipsburg Easton Vehicle Sales, Inc.'s 2025 Form 5500 reports $79,217 in broker commissions and fees across 4 insurance contracts ($77,605 in commissions, $1,612 in fees), with Brown & Brown receiving the largest share.
Is Phillipsburg Easton Vehicle Sales, 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 Unitedhealthcare Insurance Company.
How does Phillipsburg Easton Vehicle Sales, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Phillipsburg Easton Vehicle Sales, Inc. 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.
Send the full findings to your inbox.
A specialist writes up every finding for Phillipsburg Easton Vehicle Sales, Inc. with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.