Popli, Architecture Engineering & L.S. D.P.C.
Updated Filing received by DOL
Popli, Architecture Engineering & L.S. D.P.C., a professional & technical services employer in Rochester, New York, reported 188 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $2.3M in insurance premiums across 11 contracts and $100,715 in broker commissions and fees, 3.5% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 23, 2026, before the deadline.
Who was paid on Popli, Architecture Engineering & L.S. D.P.C.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Popli, Architecture Engineering & L.S. D.P.C. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Smola Consulting, LLC · Rochester, NY | $41,825 | $0 | $41,825 | 1 |
| USI Insurance Services · Rochester, NY | $32,589 | $0 | $32,589 | 1 |
| Brown & Brown · Rochester, NY | $22,580 | $3,631 | $26,211 | 11 |
| Alliance Financial Network | $90 | $0 | $90 | 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 |
|---|---|---|---|---|
| Excellus Blue Cross Blue Shieldhealth, prescription drug | 133 | $2.2M | $74,414 | 3.5% |
| Excellus Blue Cross Blue Shielddental | 126 | $119,217 | $7,652 | 6.4% |
| Vision Service Planvision | 122 | — | $1,437 | — |
| Mutual of Omaha Insurance Companylong-term disability | 64 | — | $3,348 | — |
| Companion Life Insurance Companylife | 221 | — | $3,907 | — |
| Mutual of Omaha Insurance Companyshort-term disability | 69 | — | $2,216 | — |
| Mutual of Omaha Insurance Companylife | 221 | — | $592 | — |
| Mutual of Omaha Insurance Companycoverage not coded | 97 | — | $313 | — |
| Lincoln Life & Annuity Company of New Yorkdental | 18 | — | $2,534 | — |
| Companion Life Insurance Companycoverage not coded | 45 | — | $1,639 | — |
| The Guardian Life Insurance Company of Americacoverage not coded | 51 | — | $2,663 | — |
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 Popli, Architecture Engineering & L.S. D.P.C. 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.
Premium per covered person on medical contracts: $16,177 a year (national median $7,274).
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 | 169 | 188 | +11.2% |
| Premiums filed | $1,814,944 | $2,270,777 | +25.1% |
| Broker commissions + fees | $88,882 | $100,715 | +13.3% |
| Commission rate | 3.8% | 3.5% | −0.3 pts |
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 |
|---|---|---|---|---|
| Popli Design Group Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 23, 2026 | before deadline | 188 |
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 Popli, Architecture Engineering & L.S. D.P.C. pay in health insurance broker commissions in 2025?
Popli, Architecture Engineering & L.S. D.P.C.'s 2025 Form 5500 reports $100,715 in broker commissions and fees across 11 insurance contracts ($97,084 in commissions, $3,631 in fees), with Smola Consulting, LLC receiving the largest share.
Is Popli, Architecture Engineering & L.S. D.P.C.'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 Excellus Blue Cross Blue Shield.
How does Popli, Architecture Engineering & L.S. D.P.C.'s broker compensation compare with similar employers?
Popli, Architecture Engineering & L.S. D.P.C. paid 3.5% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in New York is 3.7%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.