River Valley Health
Updated Filing received by DOL
River Valley Health, a healthcare & social assistance employer in Williamsport, Pennsylvania, reported 110 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $6,972 in insurance premiums across 5 contracts and $60,780 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 30, 2026, before the deadline.
Who was paid on River Valley Health's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract River Valley Health filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Emerson Rogers LLC · Warrendale, PA | $34,308 | $0 | $34,308 | 1 |
| USI Insurance Services · Williamsport, PA | $15,696 | $7,428 | $23,124 | 4 |
| Benechoice Enrollment Solutions & T · Lancaster, PA | $881 | $197 | $1,078 | 1 |
| Petrina Skiles · Lancaster, PA | $615 | $275 | $890 | 1 |
| Eagle-Hambright Davies Inc · Lancaster, PA | $519 | $0 | $519 | 1 |
| Elizabeth J Griffiths & Other Agent · Pine Grove, PA | $437 | $15 | $452 | 1 |
| Emerosn Rogers LLC · Westbury, NY | $216 | $0 | $216 | 1 |
| Mary J Yarnell · Battle Creek, MI | $191 | $0 | $191 | 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 |
|---|---|---|---|---|
| Vision Benefits of Americavision | 86 | $6,972 | $294 | — |
| Highmark, Inc.health, prescription drug, PPO | 143 | — | $34,308 | — |
| The Guardian Life Insurance Company of Americadental | 83 | — | $4,019 | — |
| Colonial Life and Accident Insurance Companylife, short-term disability | 23 | — | $5,221 | — |
| United of Omaha Life Insurance Companylife, long-term disability | 109 | — | $16,938 | — |
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 River Valley Health 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 | 114 | 110 | −3.5% |
| Premiums filed | $6,669 | $6,972 | not comparable |
| Broker commissions + fees | $56,032 | $60,780 | +8.5% |
| 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 |
|---|---|---|---|---|
| River Valley Health Employee Benefit Plan#501 · insurance, general assets | December 31, 2025 | June 30, 2026 | before deadline | 110 |
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 River Valley Health pay in health insurance broker commissions in 2025?
River Valley Health's 2025 Form 5500 reports $60,780 in broker commissions and fees across 5 insurance contracts ($52,865 in commissions, $7,915 in fees), with Emerson Rogers LLC receiving the largest share.
Is River Valley Health'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 Highmark, Inc..
How does River Valley Health's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for River Valley Health 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.