Resource Systems Group
Updated Filing received by DOL
Resource Systems Group, an administrative & support services employer in Westport, Connecticut, reported 147 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.7M in insurance premiums across 3 contracts and $104,931 in broker commissions and fees, 4.6% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 1, 2026, within the extension window.
Who was paid on Resource Systems Group's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Resource Systems Group filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · New York, NY | $13,870 | $81,224 | $95,094 | 3 |
| Emerson Rogers, LLC · Blue Bell, PA | $9,837 | $0 | $9,837 | 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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companyhealth, prescription drug | 179 | $1.7M | $77,905 | 4.6% |
| The Guardian Life Insurance Company of Americadental, life, short-term disability, long-term disability | 155 | — | $26,060 | — |
| Vision Service Planvision | 91 | — | $966 | — |
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 Resource Systems Group 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.
Premium per covered person on medical contracts: $9,387 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 165 | 147 | −10.9% |
| Premiums filed | $0 | $1,680,284 | — |
| Broker commissions + fees | $103,566 | $104,931 | +1.3% |
| Commission rate | — | 4.6% | — |
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 |
|---|---|---|---|---|
| Daversa Partners Health & Welfare Plan#503 · insurance, general assets | December 31, 2025 | September 1, 2026 | within extension | 147 |
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 Resource Systems Group pay in health insurance broker commissions in 2025?
Resource Systems Group's 2025 Form 5500 reports $104,931 in broker commissions and fees across 3 insurance contracts ($23,707 in commissions, $81,224 in fees), with USI Insurance Services receiving the largest share.
Is Resource Systems Group'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 Cigna Health and Life Insurance Company.
How does Resource Systems Group's broker compensation compare with similar employers?
Resource Systems Group paid 4.6% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Connecticut is 6.0%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.