President & Fellows of Harvard College Harvard Human Resources, Benefi
Updated Filing received by DOL
President & Fellows of Harvard College Harvard Human Resources, Benefi, an education services employer in Cambridge, Massachusetts, reported 26,725 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 13 insurance contracts with no premium reported and $2.3M in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 10, 2025, within the extension window.
Who was paid on President & Fellows of Harvard College Harvard Human Resources, Benefi's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract President & Fellows of Harvard College Harvard Human Resources, Benefi filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Dedham, MA | $713,493 | $1,109,384 | $1,822,877 | 24 |
| Strategic Benefit Advisors Inc · Southborough, MA | $334,430 | $0 | $334,430 | 2 |
| The Baldwin Group · Leesburg, VA | $0 | $69,725 | $69,725 | 1 |
| Mather & Strohl Admin Services · Dallas, TX | $0 | $16,840 | $16,840 | 1 |
| Alan J Zuccari Inc dba Hamilton Ins · Fairfax, VA | $4,910 | $0 | $4,910 | 1 |
| Armfield Harrison & Thomas Inc · Tampa, FL | $2,639 | $568 | $3,207 | 1 |
| Mather & Strohl Dba/Benefitmall · Towson, MD | $483 | $90 | $573 | 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 |
|---|---|---|---|---|
| Tufts Associated Health Maintenance Organization, Inchealth | 255 | — | — | — |
| Ghmsi/Carefirst Bluechoicehealth, prescription drug, HMO, PPO | 126 | — | $86,565 | — |
| Harvard Pilgrim Health Care Insurance Companycoverage not coded | 3,513 | — | $952,829 | — |
| Metropolitan Life Insurance Companylife | 30,233 | — | $104,080 | — |
| Metlife Delaware American Life Insurance Companyhealth, dental, life, long-term disability | 23 | — | $18,753 | — |
| Kaiser Foundation Health Plan of Mid-Atlantic States, Inc.HMO | 21 | — | $8,690 | — |
| Harvard Pilgrim Health Care Insurance Company Inccoverage not coded | 822 | — | $218,800 | — |
| Lincoln Life Assurance Company of Bostonlong-term disability | 20,369 | — | $301,069 | — |
| Metropolitan Property and Casualty Insurance Co.coverage not coded | 4,681 | — | $106,520 | — |
| Fidelity Security Life Insurance Companyvision | 12,876 | — | $92,931 | — |
| Fidelity Security Life Insurance Companyvision | 104 | — | $721 | — |
| Metropolitan Life Insurance Companydental | 34,806 | — | $285,635 | — |
| Metropolitan Life Insurance Companydental | 7,534 | — | $75,969 | — |
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 President & Fellows of Harvard College Harvard Human Resources, Benefi 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 | 25,163 | 26,725 | +6.2% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $2,091,137 | $2,252,562 | +7.7% |
| 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 |
|---|---|---|---|---|
| Harvard University Flexible Benefits Plan#501 · insurance, general assets | December 31, 2024 | October 10, 2025 | within extension | 26,725 |
| Harvard University Medical Reimbursement Plan#506 · general assets | December 31, 2024 | October 10, 2025 | within extension | 16,122 |
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 President & Fellows of Harvard College Harvard Human Resources, Benefi pay in health insurance broker commissions in 2024?
President & Fellows of Harvard College Harvard Human Resources, Benefi's 2024 Form 5500 reports $2,252,562 in broker commissions and fees across 13 insurance contracts ($1,055,955 in commissions, $1,196,607 in fees), with Brown & Brown receiving the largest share.
Is President & Fellows of Harvard College Harvard Human Resources, Benefi'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 Tufts Associated Health Maintenance Organization, Inc, Ghmsi/Carefirst Bluechoice, Metlife Delaware American Life Insurance Company.
How does President & Fellows of Harvard College Harvard Human Resources, Benefi's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for President & Fellows of Harvard College Harvard Human Resources, Benefi 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.