Premier Health
Updated Filing received by DOL
Premier Health, a healthcare & social assistance employer in Dayton, Ohio, reported 11,076 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.2M in insurance premiums across 15 contracts and $2.5M in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from HM Life Insurance Company). The Department of Labor received the filing on August 19, 2026, within the extension window.
Who was paid on Premier Health's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Premier Health filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · Virginia Beach, VA | $474,756 | $401,425 | $876,181 | 10 |
| Gallagher · Rolling Meadows, IL | $59,221 | $532,997 | $592,218 | 2 |
| James D Davidson · Anaheim, CA | $569,015 | $0 | $569,015 | 4 |
| Eoi Enrollment Services LLC · Atlanta, GA | $342,589 | $0 | $342,589 | 1 |
| Bswift · Chicago, IL | $0 | $110,030 | $110,030 | 4 |
| Eoi Service Company Inc · Anaheim, CA | $18,414 | $0 | $18,414 | 2 |
| Wendell W Beculheimer · Franklin, OH | $11,213 | $0 | $11,213 | 1 |
| Kathleen E McCreary · Eaton, OH | $11,213 | $0 | $11,213 | 1 |
| Carol Clinton Smith Marital Trust · Norman, OK | $1,420 | $0 | $1,420 | 1 |
| The Little Group LLC · West Harrison, IN | $1,308 | $0 | $1,308 | 1 |
| Item Iii Trust U/W David a Savula · Atlanta, GA | $318 | $0 | $318 | 1 |
| Scott a Boyer · Westerville, OH | $318 | $0 | $318 | 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 |
|---|---|---|---|---|
| Vision Service Planvision | 7,576 | $1.2M | — | — |
| Lincoln National Life Insurance Companylong-term disability | 10,062 | — | $442,639 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 3,349 | — | $213,659 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 1,593 | — | $276,250 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 201 | — | $55,804 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 1,687 | — | $194,949 | — |
| Vision Service Planvision | 126 | — | — | — |
| American Heritage Life Insurance Companylife | 774 | — | $489,418 | — |
| Provident Life and Accident Insurance Companylife | 830 | — | $31,226 | — |
| Life Insurance Company of North Americacoverage not coded | 10,250 | — | $1,619 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 1,044 | — | $26,126 | — |
| Combined Insurance Companylife | 287 | — | $17,408 | — |
| Superior Dental Care, Inc.dental | 17,366 | — | — | — |
| HM Life Insurance Companystop-loss | 8,005 | — | — | — |
| Lincoln National Life Insurance Companylife | 11,157 | — | $785,475 | — |
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 Premier Health 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 | 10,477 | 11,076 | +5.7% |
| Premiums filed | $1,109,472 | $1,183,580 | +6.7% |
| Broker commissions + fees | $2,881,569 | $2,534,573 | −12.0% |
| 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 |
|---|---|---|---|---|
| Premier Health Benefit Plan#501 · insurance, general assets | December 31, 2025 | August 19, 2026 | within extension | 11,076 |
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 Premier Health pay in health insurance broker commissions in 2025?
Premier Health's 2025 Form 5500 reports $2,534,573 in broker commissions and fees across 15 insurance contracts ($1,490,121 in commissions, $1,044,452 in fees), with USI Insurance Services receiving the largest share.
Is Premier Health's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from HM Life Insurance Company).
How does Premier Health's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Premier Health because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.