Protec Association Services
Updated Filing received by DOL
Protec Association Services, an administrative & support services employer in San Diego, California, reported 365 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $80,922 in insurance premiums across 5 contracts and $103,268 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 21, 2026, before the deadline.
Who was paid on Protec Association Services's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Protec Association Services filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| New City Executive Ins SVCS. Inc. · Las Vegas, CA | $102,571 | $0 | $102,571 | 4 |
| T2b Solutions, LLC · Indianola, IA | $0 | $554 | $554 | 1 |
| Alliant Insurance Services · Los Angeles, CA | $113 | $30 | $143 | 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 |
|---|---|---|---|---|
| Standard Insurance Companyvision, life, long-term disability | 312 | $80,922 | $6,527 | 8.1% |
| Simnsahealth, dental, prescription drug, HMO | 133 | — | $18,415 | — |
| Health Nethealth, dental, prescription drug | 145 | — | $75,090 | — |
| United of Omaha Life Insurance Companycoverage not coded | 90 | — | $3,093 | — |
| Hartford Life and Accidentcoverage not coded | 312 | — | $143 | — |
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 Protec Association Services 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 | 395 | 365 | −7.6% |
| Premiums filed | $82,749 | $80,922 | not comparable |
| Broker commissions + fees | $99,851 | $103,268 | +3.4% |
| 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 |
|---|---|---|---|---|
| Protec Building Services Health and Welfare Plan#502 · insurance, general assets | December 31, 2025 | April 21, 2026 | before deadline | 365 |
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 Protec Association Services pay in health insurance broker commissions in 2025?
Protec Association Services's 2025 Form 5500 reports $103,268 in broker commissions and fees across 5 insurance contracts ($102,684 in commissions, $584 in fees), with New City Executive Ins SVCS. Inc. receiving the largest share.
Is Protec Association Services'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 Simnsa, Health Net.
How does Protec Association Services's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Protec Association Services because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.