Saint Therese
Updated Filing received by DOL
Saint Therese, a healthcare & social assistance employer in Saint Louis Park, Minnesota, reported 600 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $537,862 in insurance premiums across 13 contracts and $102,901 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 25, 2026, before the deadline.
Who was paid on Saint Therese's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Saint Therese filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Minneapolis, MN | $58,575 | $5,181 | $63,756 | 13 |
| Rebecca a McLaughlan · Troy, MI | $12,208 | $0 | $12,208 | 1 |
| Christopher M Bouschet · Troy, MI | $11,782 | $0 | $11,782 | 1 |
| National Enrollment Partners LLC · Cranston, RI | $1,897 | $1,363 | $3,260 | 6 |
| Virginia Leder-Clark · Highland Village, TX | $1,707 | $782 | $2,489 | 6 |
| KLH Insurance Inc · Watertown, MN | $2,119 | $353 | $2,472 | 5 |
| Michelle J Haller · Jordan, MN | $2,290 | $159 | $2,449 | 6 |
| Brandy R Byers · Forney, TX | $1,185 | $3 | $1,188 | 4 |
| Robert Scott Bruner · New Prague, MN | $475 | $320 | $795 | 6 |
| Jessica Christine Leard · Houston, TX | $791 | $0 | $791 | 1 |
| William Leroy Vincent · Mansfield, TX | $517 | $72 | $589 | 3 |
| Nancy Claussen · Sioux Falls, SD | $309 | $0 | $309 | 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 |
|---|---|---|---|---|
| Blue Care Network of Michiganhealth, prescription drug, HMO | 69 | $537,862 | $24,739 | 4.6% |
| Blue Cross and Blue Shield of Minnesota and Blue Plushealth | 226 | — | $36,520 | — |
| Fidelity Security Life Insurance Companyvision | 129 | — | $1,223 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 35 | — | $14,198 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 8 | — | $3,919 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 9 | — | $3,212 | — |
| Unum Life Insurance Company of Americalife | 41 | — | $3,408 | — |
| Unum Life Insurance Company of Americalife, long-term disability | 565 | — | $10,718 | — |
| Fidelity Security Life Insurance Companyvision | 1 | — | $4 | — |
| Fidelity Security Life Insurance Companyvision | 111 | — | $219 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 1 | — | $517 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 14 | — | $1,092 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 3 | — | $3,132 | — |
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 Saint Therese 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: $7,795 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 | 467 | 600 | +28.5% |
| Premiums filed | $0 | $537,862 | not comparable |
| Broker commissions + fees | $52,627 | $102,901 | +95.5% |
| 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 |
|---|---|---|---|---|
| Saint Therese and Affiliates Employee Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 25, 2026 | before deadline | 600 |
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 Saint Therese pay in health insurance broker commissions in 2025?
Saint Therese's 2025 Form 5500 reports $102,901 in broker commissions and fees across 13 insurance contracts ($94,637 in commissions, $8,264 in fees), with Marsh McLennan Agency receiving the largest share.
Is Saint Therese'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 Blue Care Network of Michigan, Blue Cross and Blue Shield of Minnesota and Blue Plus.
How does Saint Therese's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Saint Therese because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.