Point Loma Nazarene University
Updated Filing received by DOL a plan year 2025 filing was received September 17, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Point Loma Nazarene University, an education services employer in San Diego, California, reported 650 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $536,385 in insurance premiums across 15 contracts and $341,107 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 4, 2025, before the deadline.
Who was paid on Point Loma Nazarene University's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Point Loma Nazarene University filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Los Angeles, CA | $336,579 | $3,393 | $339,972 | 19 |
| HUB International · San Diego, CA | $501 | $0 | $501 | 1 |
| Jacquelyn E K Holder · Santee, CA | $168 | $0 | $168 | 1 |
| Jack Daniel Holder · San Diego, CA | $167 | $0 | $167 | 1 |
| Robert C. Henley · San Diego, CA | $144 | $0 | $144 | 1 |
| Clinton Charles Zelez · Phoenix, AZ | $86 | $0 | $86 | 1 |
| Enhanced Benefits Ins. Solutions · Santee, CA | $69 | $0 | $69 | 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 |
|---|---|---|---|---|
| United Concordia Insurance Companydental | 914 | $421,662 | $12,632 | 3.0% |
| Standard Insurance Companylife | 640 | $114,723 | — | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 569 | — | $83,040 | — |
| Sharp Health Planhealth, vision, prescription drug, HMO | 526 | — | $209,421 | — |
| Mediexcel Health Planhealth, HMO | 11 | — | $1,798 | — |
| United Concordia Dental Plans of California, Inc.dental | 239 | — | $838 | — |
| Vision Service Planvision | 340 | — | $2,171 | — |
| Health and Human Resource Centercoverage not coded | 677 | — | — | — |
| Aflaccoverage not coded | 13 | — | $1,229 | — |
| Metlife Legal Planscoverage not coded | 79 | — | $1,562 | — |
| Unum Life Insurance Company of Americacoverage not coded | 203 | — | $18,798 | — |
| Metropolitan General Insurance Companycoverage not coded | 77 | — | $1,477 | — |
| Life Insurance Company of North Americalong-term disability | 642 | — | $8,141 | — |
| Aetna Life Insurance Companydental | — | — | — | — |
| Aetna Life Insurance Companyprescription drug, PPO | — | — | — | — |
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 Point Loma Nazarene University 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 | 602 | 650 | +8.0% |
| Premiums filed | $503,851 | $536,385 | not comparable |
| Broker commissions + fees | $340,490 | $341,107 | +0.2% |
| 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 |
|---|---|---|---|---|
| The Health and Welfare Plan for the Employees of Point Loma Nazarene#501 · insurance, general assets | February 28, 2025 | September 4, 2025 | before deadline | 650 |
| Point Loma Nazarene University Retirement Healthcare Savings Plan#502 · insurance, trust | December 31, 2024 | October 1, 2025 | within extension | 438 |
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 Point Loma Nazarene University pay in health insurance broker commissions in 2024?
Point Loma Nazarene University's 2024 Form 5500 reports $341,107 in broker commissions and fees across 15 insurance contracts ($337,715 in commissions, $3,392 in fees), with Lockton receiving the largest share.
Is Point Loma Nazarene University'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 Kaiser Foundation Health Plan, Inc., Sharp Health Plan, Mediexcel Health Plan.
How does Point Loma Nazarene University's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Point Loma Nazarene University 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.
Send the full findings to your inbox.
A specialist writes up every finding for Point Loma Nazarene University 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.