Publishers Circulation Fulfillment, Inc.
Updated Filing received by DOL
Publishers Circulation Fulfillment, Inc., a retail — general merchandise, sporting goods employer in Hunt Valley, Maryland, reported 145 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 4 insurance contracts with no premium reported and $15,061 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on April 22, 2026, before the deadline.
Who was paid on Publishers Circulation Fulfillment, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Publishers Circulation Fulfillment, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · Virginia Beach, VA | $6,637 | $2,113 | $8,750 | 5 |
| Kelly & Assoc Ins Group Inc · Sparks, MD | $0 | $6,130 | $6,130 | 3 |
| Emerson Rogers LLC · Elmwood Park, NJ | $0 | $181 | $181 | 2 |
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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Company and Affiliatesvision, indemnity | 167 | — | — | — |
| The Lincoln National Life Insurance Companylife | 140 | — | $2,094 | — |
| The Lincoln National Life Insurance Companylife, short-term disability, long-term disability | 140 | — | $6,410 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 140 | — | $6,557 | — |
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 Publishers Circulation Fulfillment, Inc. 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 | 186 | 145 | −22.0% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $12,206 | $15,061 | +23.4% |
| 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 |
|---|---|---|---|---|
| Publishers Circulation Fulfillment Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | April 22, 2026 | before deadline | 145 |
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 Publishers Circulation Fulfillment, Inc. pay in health insurance broker commissions in 2025?
Publishers Circulation Fulfillment, Inc.'s 2025 Form 5500 reports $15,061 in broker commissions and fees across 4 insurance contracts ($6,637 in commissions, $8,424 in fees), with USI Insurance Services receiving the largest share.
Is Publishers Circulation Fulfillment, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Publishers Circulation Fulfillment, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Publishers Circulation Fulfillment, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.