QHR Health, LLC
Updated Filing received by DOL
QHR Health, LLC, a professional & technical services employer in Brentwood, Tennessee, reported 1,104 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 6 insurance contracts with no premium reported and $300,339 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on June 22, 2026, before the deadline.
Who was paid on QHR Health, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract QHR Health, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Ibenefit Communication LLC · Charlotte, NC | $111,228 | $6,983 | $118,211 | 4 |
| USI Insurance Services · Virginia Beach, VA | $97,917 | $13,679 | $111,596 | 5 |
| Benefit Technology Resources · Charlotte, NC | $33,920 | $0 | $33,920 | 4 |
| Lockton · Brentwood, TN | $15,109 | $3,385 | $18,494 | 5 |
| The Meltzer Group · Bethesda, MD | $12,789 | $5,329 | $18,118 | 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 |
|---|---|---|---|---|
| Starmount Life Insurance Companydental, vision | 818 | — | $79,696 | — |
| Unum Insurance Companycoverage not coded | 367 | — | $34,252 | — |
| Unum Insurance Companycoverage not coded | 474 | — | $19,919 | — |
| Unum Insurance Companycoverage not coded | 245 | — | $25,873 | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 151 | — | $21,868 | — |
| Provident Life and Accident Insurance Companylife | 1,151 | — | $118,731 | — |
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 QHR Health, LLC 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 | 406 | 1,104 | +171.9% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $136,955 | $300,339 | +119.3% |
| 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 |
|---|---|---|---|---|
| QHR Health, LLC Medical Plan#501 · insurance, general assets | December 31, 2025 | June 22, 2026 | before deadline | 1,104 |
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 QHR Health, LLC pay in health insurance broker commissions in 2025?
QHR Health, LLC's 2025 Form 5500 reports $300,339 in broker commissions and fees across 6 insurance contracts ($270,964 in commissions, $29,375 in fees), with Ibenefit Communication LLC receiving the largest share.
Is QHR Health, LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does QHR Health, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for QHR Health, LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.