Research Foundation for Mental Hygiene, Inc.
Updated Filing received by DOL a plan year 2025 filing was received July 16, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Research Foundation for Mental Hygiene, Inc., a professional & technical services employer in Menands, New York, reported 1,864 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 7 insurance contracts with no premium reported and $48,201 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 23, 2025, before the deadline.
Who was paid on Research Foundation for Mental Hygiene, 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 Research Foundation for Mental Hygiene, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marshall & Sterling Emp Benefits · Poughkeepsie, NY | $30,979 | $0 | $30,979 | 1 |
| Fna Ins Serices Inc · Melville, NY | $8,722 | $0 | $8,722 | 1 |
| Marshall and Sterling E. Benefits · Poughkeepsie, NY | $8,500 | $0 | $8,500 | 2 |
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 |
|---|---|---|---|---|
| State of New York, Department of Civil Servicehealth, prescription drug | 1,329 | — | — | — |
| Metropolitan Life Insurance Companydental, vision, life, short-term disability, long-term disability | 1,769 | — | $39,701 | — |
| Metropolitan Life Insurance Companyshort-term disability | 949 | — | $3,667 | — |
| Metropolitan General Insurance Companycoverage not coded | 205 | — | $4,833 | — |
| Aetna Life Insurance Companyprescription drug, PPO | 123 | — | — | — |
| Aetna Life Insurance Companyprescription drug | 1 | — | — | — |
| Aetna Life Insurance Companydental | 48 | — | — | — |
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 Research Foundation for Mental Hygiene, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 1,865 | 1,864 | −0.1% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $0 | $48,201 | — |
| 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 |
|---|---|---|---|---|
| Welfare Plan#508 · insurance, general assets | December 31, 2024 | July 23, 2025 | before deadline | 1,864 |
| Research Foundation for Mental Hygiene, Inc-Emeriti Plan#510 · insurance, trust | December 31, 2024 | October 14, 2025 | within extension | 811 |
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 Research Foundation for Mental Hygiene, Inc. pay in health insurance broker commissions in 2024?
Research Foundation for Mental Hygiene, Inc.'s 2024 Form 5500 reports $48,201 in broker commissions and fees across 7 insurance contracts ($48,201 in commissions, $0 in fees), with Marshall & Sterling Emp Benefits receiving the largest share.
Is Research Foundation for Mental Hygiene, Inc.'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 State of New York, Department of Civil Service.
How does Research Foundation for Mental Hygiene, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Research Foundation for Mental Hygiene, Inc. 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.