Rescare, Inc. d/b/a Brightspring Health Services
Updated Filing received by DOL
Rescare, Inc. d/b/a Brightspring Health Services, a healthcare & social assistance employer in Louisville, Kentucky, reported 39,480 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $7.9M in insurance premiums across 22 contracts and $1.7M in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 26, 2025, within the extension window.
Who was paid on Rescare, Inc. d/b/a Brightspring Health 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 Rescare, Inc. d/b/a Brightspring Health Services filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Aon · Chicago, IL | $1,393,670 | $218,248 | $1,611,918 | 28 |
| Empyrean Insurance Services, Inc. · Houston, TX | $0 | $59,304 | $59,304 | 1 |
| Bailey Insurance Services · Kallispell, MT | $4,530 | $0 | $4,530 | 2 |
| Hewitt Associates Commission Rev · Chicago, IL | $574 | $0 | $574 | 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 |
|---|---|---|---|---|
| Delta Dental of Kentuckydental | 23,368 | $7.1M | $425,387 | 6.0% |
| Bluecross Blueshield of Michiganhealth, prescription drug, PPO | 161 | $864,651 | $28,027 | 3.2% |
| Reliastar Life Insurance Companycoverage not coded | 9,553 | — | $107,354 | — |
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 469 | — | $66,101 | — |
| Metlife Legal Planscoverage not coded | 1,287 | — | $30,188 | — |
| Metropolitan Life Insurance Companylife | 35,385 | — | $178,163 | — |
| Metropolitan Life Insurance Companyhealth | 48 | — | $457 | — |
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 212 | — | $27,745 | — |
| Pacific Source Health Planhealth | 18 | — | $3,760 | — |
| Compsych Corporationcoverage not coded | 45,402 | — | — | — |
| Metropolitan Life Insurance Companyshort-term disability, long-term disability | 15,826 | — | $242,877 | — |
| Kaiser Foundation Health Plan of Washingtonhealth, prescription drug, HMO | 296 | — | $36,726 | — |
| Unum Life Insurance Company of Americacoverage not coded | 29 | — | $574 | — |
| Kaiser Foundation Health Plan of the Northwesthealth, prescription drug, HMO | 190 | — | $21,505 | — |
| Standard Insurance Companylife, short-term disability | 251 | — | $2,730 | — |
| Hawaii Medical Service Associationhealth | 122 | — | — | — |
| Metropolitan Life Insurance Companycoverage not coded | 4,732 | — | $314,478 | — |
| Kaiser Foundation Health Plan of Coloradohealth, prescription drug, HMO | 89 | — | $25,155 | — |
| Anthem Life Insurance Companylife, short-term disability | 216 | — | $877 | — |
| Metropolitan Life Insurance Companyshort-term disability | 452 | — | $3,255 | — |
| United Healthcare Insurance Companyvision | 1,557 | — | $160,197 | — |
| Best Life and Health Insurance Companylife | 20 | — | $770 | — |
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 Rescare, Inc. d/b/a Brightspring Health 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.
Premium per covered person on medical contracts: $5,371 a year (national median $7,274).
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 | 44,980 | 39,480 | −12.2% |
| Premiums filed | $7,573,705 | $7,925,313 | not comparable |
| Broker commissions + fees | $1,704,672 | $1,676,326 | −1.7% |
| 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 |
|---|---|---|---|---|
| Brightspring Health Services Welfare Benefit Plan#501 · insurance, general assets | December 31, 2024 | September 26, 2025 | within extension | 39,480 |
| Brightspring Health Services Texas Injury Benefit Plan#503 · general assets | June 26, 2025 | November 19, 2025 | before deadline | 3,689 |
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 Rescare, Inc. d/b/a Brightspring Health Services pay in health insurance broker commissions in 2024?
Rescare, Inc. d/b/a Brightspring Health Services's 2024 Form 5500 reports $1,676,326 in broker commissions and fees across 22 insurance contracts ($1,398,774 in commissions, $277,552 in fees), with Aon receiving the largest share.
Is Rescare, Inc. d/b/a Brightspring Health Services'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 Bluecross Blueshield of Michigan, Kaiser Foundation Health Plan Inc., Metropolitan Life Insurance Company.
How does Rescare, Inc. d/b/a Brightspring Health Services's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Rescare, Inc. d/b/a Brightspring Health Services 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.